Privacy Statement

Serving your needs and protecting your personal information are priorities for NorState Federal Credit Union. We do not sell or provide personal or account information to third parties for telemarketing or any other independent use. To offer you financial products and services that help you achieve your financial goals, we may, however, share information with selected companies that help us provide services and process your transactions.

Under these arrangements, we may disclose all the information we collect, as described below, to those 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 work only with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Information We Collect And Disclose About You

We may also disclose information we collect about you under 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 may disclose nonpublic personal information about you that we collect from the following sources:

Information we receive from you on membership and loan applications and other forms;
Information about your transactions with us or 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.

If you close your membership with NorState 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 credit union employees who have a business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. To protect your nonpublic personal information, we maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices.

If you have any questions about this statement or if we can help you in any way, please call Member Services at (800) 804-7555.

Links to Other Web Sites

On our Web site, we provide links to some other sites that may be of interest to you. When you leave our NorState Federal Credit Union Web site, the privacy policy may change. You may wish to review any privacy policies posted on those other sites.

E-mail Communication

Personal information transmitted to NorState FCU may be used by credit union staff to respond to questions about service or information, or to improve the service the we provide. Since e-mail messages may not be secure against interception by unauthorized individuals, you may want to call us or write to us when it is necessary to provide sensitive or personal information. Likewise, we will not transmit sensitive or personal information that can compromise or violate a user’s privacy when communicating via e-mail.

September, 2008