Privacy Notice and Disclosure

Educational Systems FCU, your member owned financial institution, is committed to providing you with competitive products and services to meet your needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union’s privacy policy and practices about our members. It also includes information about the parties who receive personal and sometimes non-public information from us as we conduct the business of the credit union.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identity you. We may also ask to see your driver’s license and other identifying information.

If you have any questions after reading this notice, please contact us at: (800) 356.6660

Or write to:

Educational Systems FCU
P.O. Box 179
Greenbelt, MD 20768-0179

Information We Collect About You
We collect non-public information about you from the following sources:
• Information we receive from you on applications and other forms
• Information about your transactions with us
• Information we receive from a Consumer Reporting Agency
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions
We may disclose all of the information we collect as permitted by law.

Parties Who Receive Information From Us
We may disclose non-public personal information about you to the following third parties:
• Financial services providers, such as insurance companies, and mortgage service companies
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publisher, retailers, plastic care processors, non-profit organizations and government agencies

Disclosures of Information to Parties That Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above to companies that perform marketing or other services on our behalf or to other financial institutions with which we have joint marketing agreements so that we may provide member’s competitive products and services. We may also disclose non-public personal information 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, and follow your instructions as you authorize, or protect the security of our financial records.

To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit that use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members
If you terminate your membership with Educational Systems FCU we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information
We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your non-public personal information.

What Members Can Do to Help
Educational Systems FCU is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINS (Personal Identification Numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.

• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should not disclose such information. Official credit union staff will already have access to your information.

• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

• Let us know if you have any questions. Please do not hesitate to call – we are here to serve you!