PRIVACY POLICY

Your privacy is a very important matter to us and we are committed to respecting and safeguarding the privacy of our members. It has always been fundamental to the way we do business at ETCU Financial and we are committed to keeping personal information accurate, confidential, secure and private.

As of January 1, 2004 our practices will conform to the Credit Union Code for the Protection of Personal Information (the Code). The code consists of ten interrelated principles that are outlined as follows:

Accountability - ETCU Financial is responsible for all personal information under its control including any personal information disclosed to third parties for processing. ETCU Financial has established policies and procedures to comply with the Code and has designated a privacy officer and a deputy privacy officer to be accountable for compliance.

Identifying Purposes - Before or at the time we ask you for personal information, ETCU Financial will identify the purposes for which the information will be used or disclosed.

Consent - The knowledge and consent of the member are required for the collection, use or disclosure of member information.

Limiting Collection - The collection of personal information shall be limited to that which is necessary for the purposes identified by ETCU Financial.

Limiting Use, Disclosure and Retention - Personal information will not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.

Accuracy - Personal information shall be as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used.

Safeguarding Member Information - ETCU Financial protects information with safeguards appropriate to the sensitivity of the information.

Openness - ETCU Financial will make specific, understandable information readily available about our personal information policies and practices.

Individual Access - Upon request, ETCU Financial will give you access to the existence, use and disclosure of your information. You are entitled to question its accuracy and completeness, and its uses.

Challenging Compliance - ETCU Financial will provide procedures to receive and respond to complaints and inquiries about policies and practices relating to the handling of personal information. These procedures will be easily accessible and simple to use.