PRIVACY STATEMENT

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At Financial Trust Federal Credit Union, we're committed to providing you with financial products and services that meet the full range of your financial needs. And we're equally dedicated to protecting your privacy and safeguarding your personal information. As a member of our credit union, you also have a responsibility to safeguard your financial information.

Financial Trust Federal Credit Union strictly adheres to the following privacy policy to ensure that any information you supply to us will be held in complete confidence.

Financial Trust Federal Credit Union will collect only the personal information that is necessary to conduct our business and provide you with competitive financial products and services.

Financial Trust Federal Credit Union will protect your personal information. We will maintain strong security controls to ensure that member information in our files and computers is protected.

You will have full access to your information. As a  Financial Trust Federal Credit Union member, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.

We will share information regarding you with third parties only when, in our judgment, either (a) you have authorized the sharing of information, (b) we have previously informed you in disclosures that we will share information, (c) we are compelled by law or valid court order to do so, or (d) we have entered into an agreement with a third party for support services (in which case the third party will also agree to maintain the confidentiality of our members' information).

Financial Trust Federal Credit Union will partner only with businesses that follow the same strict confidentiality requirements. The businesses we select will offer products designed to enhance our members' economic well-being. Under no circumstances will we authorize these firms to charge your account without your expressed consent, and we will not sell member information to telemarketing firms.

Financial Trust Federal Credit Union will offer you a choice in how your information is used. Any member of our credit union may elect to keep their information from being shared with our business partners. We will inform you on how to exercise your choice, and we will take all reasonable steps to make sure your requests are followed. At least once a year, we will remind all members of their right to choose.

ONLINE PRIVACY – Financial Trust Federal Credit Union recognizes the importance of maintaining a presence on the World Wide Web for informational and e-commerce purposes in both attracting new members and retaining existing members. For the purpose of this statement, online activity is defined as the ability of members to access personal account information and general Credit Union information, to initiate transactions on your Credit Union accounts, and to apply for additional Credit Union products and services online. Our Privacy Statement is the same whether you are online or not.

ONLINE FORMS – Financial Trust Federal Credit Union provides several online form resources (i.e.: loan application) to better serve the needs of its members. Personal information provided by a user via any of the Credit Union's online forms is used by the Credit Union only to process the member's request for service. All information that passes between Financial Trust Federal Credit Union Internet Banking and the user's PC is encrypted to protect the user's privacy.

E-MAIL COMMUNICATION - Personal information transmitted to Financial Trust Federal Credit Union may be used by Credit Union staff to respond to inquiries for service or information or improve the service the Credit Union provides. Since e-mail communication may not be secure against interception by unauthorized individuals, users should seek alternatives to e-mail when it is necessary to provide sensitive or personal information. Therefore, the Credit Union will not knowingly transmit or inquire to sensitive or personal information that can compromise or violate a user's privacy when communicating via e-mail.

NOTICE CONCERNING THIRD PARTY WEBSITES/ADDRESSES – Financial Trust Federal Credit Union provides links to other websites/e-mail addresses solely as a convenience to our members & other customers. Financial Trust Federal Credit Union is not responsible for the content or availability of these sites/addresses. Please be advised that Financial Trust Federal Credit Union does not represent either the Third Party or you, the member, if you enter into a transaction. In addition, Third-Party Sites are not covered by Financial Trust Federal Credit Union privacy or other policies. Further, Financial Trust Federal Credit Union is not responsible for the privacy practices or the content of the Third-Party Sites. You are advised to review the privacy statement applicable to each Third-Party Site you visit.

NOTICE CONCERNING AFFILIATED WEBSITES/ADDRESSES – Financial Trust Federal Credit Union’s website may also contain links to other web sites owned, operated by, or affiliated with the credit union. If you enter into a transaction on an Affiliated Site, Financial Trust Federal Credit Union may assist you but may not be held responsible for your transaction. You are advised to review the privacy statement applicable to each Affiliated Site you visit.

Any information provided to Financial Trust Federal Credit Union through this Web site will be utilized according to the above privacy principles.

This Privacy Statement has been adopted by Financial Trust Federal Credit Union. It covers your current or former banking and financial service relationships with these companies. If you have additional questions or concerns, please contact our Member Services Department at (716) 831-3007 or e-mail us at Service@ftcu.net