BLUE FLAME CREDIT UNION PRIVACY POLICY NOTICE

Trust has always been the foundation of our relationship with members. To preserve your trust, we pledge to protect your privacy by adhering to the practices described below. By signing any application or agreement with us, or your use or continued use of any of our services after receiving this document, you jointly and severally agree to the terms and conditions set forth in this Policy Notice and Agreement. In this Agreement the terms we, our, or us means Blue Flame Credit Union; and the terms you or your means all members, consumers, borrowers, and guarantors. This privacy disclosure is being issued to comply with the provisions of the Gramm-Leach-Biley Act governing the privacy of consumer financial information.

INFORMATION WE COLLECT AND DISCLOSE ABOUT YOU
We collect information about our members for lawful business purposes, or as otherwise requiredby applicable law. We collect information about members from the following sources: (a) Information we receive from you on membership and loan applications, and other forms and applications for services such as: names and addresses; (b) Information from your transactions and services with us or our affiliates, such as: your account balance, payment history, parties to transactions and credit and debit card usage; and (c) Information we receive from consumer credit reporting agencies, such as: your creditworthiness and credit history.

We do not disclose any nonpublic, personal information to anyone, except as permitted by law or if said disclosure is at your specific request.

The credit union's Web site: Use of our web site, or linking to a site we sponsor, requires the use of cookies. Cookies are small pieces of information a web site stores on a visitors web browser to remind the site about the user the next time the site is visited. We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our members online transactions and eases navigation through our web site. For certain applications, such as online transactions, cookies are required to help protect the privacy of a members transactions by, for example, terminating the session if it is inactive for an extended time. We collect e-mail addresses from members who request electronic services, and from users of our web site who choose to provide their addresses.

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you terminate your membership with Blue Flame Credit Union, we will not share information we have collected about you, except as permitted by applicable 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 leading industry practices to safeguard your nonpublic personal information.

NOTICES AND JOINT RELATIONSHIPS
Except when expressly required by applicable law, we will provide all notices to the member listed first on any application, agreement, or other relevant document with us. All joint owners, borrowers, and guarantors agree to the receipt and sufficiency of any notice or notification sent according to this paragraph.

MODIFICATION
The Credit Union reserves the right to modify, change, or amend this Privacy Policy Notice and Agreement at any time without notice other than expressly required by applicable law.

WHAT MEMBERS CAN DO TO HELP
Protect your account numbers, card numbers, PINs (personal identification numbers), and passwords. In particular, never keep your PIN with your credit or debit card, as that makes you vulnerable in the event your card is stolen or lost. Use caution when revealing your account numbers, social security numbers, etc. to other persons. In particular, if someone calls you, explains the call is on behalf of the credit union and asks for your account information, you should be aware. Legitimate credit union staff would already have access to that information. It is important that the credit union have current information about how to reach you. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.