PRIVACY NOTICE

Utica Gas & Electric Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial 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 provide you with this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members.

If after reading this notice you have questions, please contact us at: (315)733-1596

or write to:

Utica Gas & Electric Federal Credit Union
215 Old Campion Road
New Hartford, NY 13413

Information We Collect About You
We collect nonpublic personal 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 from your current or past employers, or from other institutions where you conduct financial transactions

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

How We Protect Your 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, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help
Utica Gas & Electric Federal Credit Union 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 beware. Official credit union staff will have access to your information and will not need to ask for it.
• Do not send confidential information to us via e-mail. E-mail may not be secure against interception so we ask that you do not include account identifying information in e-mail communication.
• 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 us - we are here to serve you!