ALTRA PRIVACY NOTICE

Altra Federal Credit Union is a member-owned financial institution, and because of this, you can be confident that your financial privacy has always been, and will continue to be, one of the top priorities at your 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 services representative at 608-787-4500, 800-755-0055 or e-mail us.

As your financial partner, 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 financial products for you to consider.

Under these arrangements, we may disclose 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. Your credit union does not sell or rent member information to third parties, nor do we permit the companies we work with to sell to other third parties the information we provide to them. We do not share information about former members, except as permitted or required by law.

We collect the following nonpublic personal information about you from a variety of sources and may disclose the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We collect information from:

• Membership and loan applications and other forms. We obtain information such as name, address, social security number and income.
• Your transactions with us or other companies that work closely with us to provide you with financial products and services. We obtain information such as your account balances, payment history, parties to transactions, and credit card usage.
• Consumer reporting agencies. We obtain information such as your creditworthiness and credit history.
• Verifications of information you provide on applications and other forms. We obtain information from current or past employers, other financial institutions, and other sources listed on the application.

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 operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

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.

Altra Federal Credit Union is committed to protecting your privacy. You can help by following these simple guidelines:

Protect your account numbers, card numbers, PIN (personal identification numbers), and passwords. Never keep your PIN with your Check or Cash card. Be cautious about disclosing your account numbers, social security numbers, etc. Beware of anyone who calls you and says they represent a financial institution or credit card company you do business with and asks for your account number or other personal information. Please let us know when your address or phone number changes. It is important that we have your current address, phone number, and e-mail address (if applicable) so we can reach you if we suspect fraudulent or unauthorized activity.

Altra Federal Credit Union
Internet Privacy Policy, Terms and Conditions

Internet Privacy Policy
Altra Federal Credit Union respects the privacy of visitors to our web site. This Privacy Policy is intended to provide information about how we will treat information you provide to us through our web site. Your use of the Altra web site constitutes your acceptance of this policy.

We reserve the right to change this policy at any time by posting a new privacy policy. Nothing in this statement affects our ability to collect, combine, use, verify, retain, and report (including sharing with our regulators) information submitted in connection with the provision of products and services or obtained from public sources or third parties.

Altra does not collect data about individual web site users. We currently collect and store aggregate information that does not personally identify you. This information is used to monitor peak usage times and track which areas of our web site are of the most interest to visitors.

You are not required to disclose any personally identifying information when you visit the Altra website; however, you may choose to contact us via e-mail which does require the disclosure of personally identifying information. When you communicate with us by e-mail, we use your e-mail address and other personal information for the specific purpose you requested and for responding to your questions or comments. We will not sell, trade, or otherwise disclose personal identifying information unless we are compelled to do so by law.

To protect your privacy, please specify in your e-mail the way you wish Altra to reply to your e-mail: U.S. mail, telephone, or e-mail. If you e-mail Altra by any other means, we encourage you to specify the reply method you wish us to use; if no reply method is specified, we will reply via e-mail.

You may also choose to provide your e-mail address and other personal identifying information by signing up for our e-mail mailing list. This disclosure of personal information is entirely voluntary, and if you choose to provide it, Altra will use it to send educational and promotional e-mail messages about our products and services. It is our policy to include instructions on how to unsubscribe from this list in every e-mail we send. We will not sell, trade, or otherwise disclose your e-mail address unless we are compelled to do so by law.

Altra maintains a database of the e-mail addresses of credit union members who have subscribed to Access 24, our PC Internet account access system. This information is used to disseminate information about the Access 24 system to users and will not be sold, traded, or otherwise disclosed unless we are compelled to do so by law.

Our PC Banking business partner, Digital Insight, places a cookie on your computer to enable Enhanced Log-in Security. This alphanumeric tag allows Access 24 to recognize the IP address and browser you normally use to access your accounts, and helps reduce the possibility of unauthorized access. If you sign on from a different IP address or use a different browser, you will be asked to answer a security question.

You may choose to not accept cookies; however, you will then need to answer a security question each time you sign on to Access 24.

Altra's web site offers links to external Internet sites. These links are offered as a service, and Altra does not control the content nor endorse products offered on them.

Altra is not responsible for, and does not have any control over, privacy policies of external websites. We encourage you to read the privacy policies of every website visited.

The information, text, and graphics included on the Altra Federal Credit Union web site are protected by the copyright laws of the United States and international treaties. The information contained in the Altra web site is subject to change. Not all products and services are available in all geographic areas. Your eligibility for any particular product or service is subject to approval by Altra.