Privacy Notice
Important notice about your personal account information and our commitment to protecting your privacy.

GHS Federal Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member service representative at (607) 723-7962 or (800) 732-4447.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members 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 companies to sell to other third parties the information we provide to them.

Information We Collect and Disclose About You
We collect and may disclose nonpublic personal information about you from the following sources:

• Information we receive from you on membership and loan applications and other forms;
• Information about your transactions with us or to others;
• Information we receive from a consumer-reporting agency;
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operation of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with GHS Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect 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 lending industry practices to safeguard your nonpublic personal information.

Disclaimer
This policy does not address every possible contingency and circumstance, it is intended to provide guidance to GHS management and members and is not intended to create enforceable legal rights in any individual. GHS does not bear any responsibility for any actions or policies of third parties. Exceptions to this policy may be authorized for any actions or policies of third parties. Exceptions to this policy may be authorized by the GHS President CEO, Board of Directors and Supervisory Committee. We reserve the right to change this policy at any time with or without prior notice.

Internet Privacy
In addition to the privacy information previously disclosed, you need to know the following:

• When visiting www.ghsfcu.com, only your Internet service provider name is collected as long as you remain on the pages that are considered public. No personal identifying information is collected.
• If you e-mail us, please remember that your e-mail address will be revealed to us in the e-mail. We will use that information only to respond to your questions or comments, unless we are compelled to do so by law. If you choose to give us your e-mail address, it will be used only by us to communicate with you and will not be sold to or shared with any third party.
• You will have the option of using a secure form for sending e-mail to us provided on our web site. This is strongly suggested whenever you communicate with us and you include any account information or personally identifying data.
• Home banking and bill payer service site: Personally identifying information is required to gain entrance to these "member only" sites so that security is maintained. We will not share that information with any third party. Our web site contains links to other sites. GHS is not responsible for the privacy practices of these other sites. If you provide information on these sites, the privacy policy and practices of that party will prevail.