An Important Notice Concerning the Privacy and Confidentiality of UniStar Federal Credit Union Member Information   Your Financial Privacy is Top Priority at UniStar Federal Credit Union At UniStar Federal Credit Union, maintaining our members' trust and confidence is a high priority. That's why we want you, our valued member, to understand how we protect your privacy when we collect and use information about you, and the measures we take to safeguard that information. As part of providing you with our financial services, savings packages and loan products, it is necessary for us to collect, with your permission, certain non-public personal information about you, including, but not limited to: Information we receive from you on applications, membership forms, and request forms (such as your name, address, social security number and income); Information concerning your financial transactions with our Credit Union; Information concerning your financial transactions with our Affiliates; Information concerning your financial transactions with nonaffiliated third parties as directed by regulation, law or statute; Information about your creditworthiness, credit history, and other information about you that we must obtain from consumer reporting agencies, as well as in some instances testimonials from business and personal references provided by you. Confidentiality, Security, and Integrity of Your Non-Public Personal Information Non-Public personal information relates to information about you that we collect in association with providing a financial product or service to you, but does not include information that is available from public sources such as telephone directories or public records. We do not disclose this type of information to anyone, except as when we are directed to do so by law. We may however, disclose this type of information to other financial institutions with whom we have a joint marketing agreement as permitted by law. We restrict access to Non-Public Personal Information about you to our employees and officers who have a need to know this information to provide products or services to you. We maintain and continually monitor physical, electronic, and procedural safeguards that comply with federal regulations to guard and protect your Non-Public personal information. Our procedures and internal safeguards are scrutinized and monitored by federal regulators as well as our Supervisory Audit committee. Often times, in your telephonic contacts with our Credit Union, there will be instances when, in order to positively establish or confirm the identity of a caller (such as yourself), we will query or question you requiring certain identifying facts known only to you, in order to establish confident identity, prior to the release or discussion of your personal financial data. We will not disclose or discuss your Non-public Personal information with any third party, except when directed to do so by law. Should you become an inactive member, or dissolve your relationship with our Credit Union we will of course continue to adhere to the privacy procedures as described in this notice. For further specific information concerning Privacy Matters or UniStar Federal Credit Union's Privacy Policy, please contact Jay Lukianovich at (914) 631-1381 ext. 212.   What You Can Do to Help Protect your Privacy UniStar Federal Credit Union is committed to protecting the privacy of its members. Our members can help us by following these simple Guidelines: Protect your account numbers, card numbers, PINS (personal identification numbers) and passwords. Never keep your PIN with your ATM or credit card that could provide unlimited access to your accounts if your card were lost or stolen. Use caution when disclosing your account numbers, etc. to other persons. If someone calls you and says they are calling on behalf of the Credit Union and asks for your account number or other personal data, beware. Official credit union staff personnel would never call and ask for such information. Keep your information with us current. It is important for us to be able to reach you. If we detect potentially fraudulent or unauthorized activity or unauthorized use of an account, we will attempt to contact you immediately. If your address or telephone number changes, please let us know. If you have any questions concerning this notice, please do not hesitate to call us - we are here to serve you.