At Florida Rural Electric Credit Union, your privacy is top priority.  This notice describes how we protect the privacy of your personal information. Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.

We collect information about you from the following sources:

• Application and other forms you submit to us;
• Information about your transactions with us, our affiliates, or others; and
• Consumer reporting agencies

We do not disclose any information about our members and former members to anyone, except permitted by law.

If you decide to determine your membership with the Credit Union or become an inactive member, we will not share information we collected about you, except as permitted by law.

We restrict access to information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal and state laws and regulation to guard your information.

On October 26, 2001, President Bush signed into law the USA Patriot Act.  The purpose of this law is to help protect you, your family and our country from terrorism by preventing terrorist financing.  We want you to know that Section 326 of this Act requires our credit union to verify the identity of all new credit union members.  We must also verify the identity of members and non- members added as signatories to and have access to new or existing deposit accounts and loans.  We must also retain copies of documents used to verify your identity.

If you are an existing member who joined the credit union before the USA Patriot Act became effective we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing  deposit or loan account.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.  Please speak with a credit union staff member if you have any questions or concerns about our identification policies.