Indian River Federal Credit Union
Privacy Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our and us, when used in this notice, mean Indian River Federal Credit Union. This is our privacy notice for our Members. When we use the words "you" and "your" we mean the following types of Members:

        All of our consumer Members who have a continuing relationship with us,
        such as:

                        Deposit Account
                        Loan Account
                        Credit Card
                        Safe Deposit Box

We will tell you the sources for nonpublic personal information we collect on our Members. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

        We collect nonpublic personal information about you from the following
        sources:

                Information we receive from you on applications or other forms
                Information about your transactions with us
                Information about your transactions with nonaffiliated third parties.
                Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal 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 regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS

We do not disclose nonpublic personal information about former Members, except as permitted by law.

AUTHORIZED SHARING OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

        Nonpublic personal information we receive from you on an application or
        other forms, such as:

                        Name
                        Address

Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

        Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:

        Service providers that perform marketing services for us
        Marketing services