The Middlesex Healthcare Federal Credit Union is owned by its members and is guided by a Board of Directors that you elect. You can be sure that your financial privacy is a top priority of this institution. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your financial information. If you have any further questions please call the office at the above number.

Middlesex Healthcare Federal Credit Union collects nonpublic personal information about you from the following sources:

Membership or loan applications; Transactions with us or others; Consumer reporting agencies: Verifying the information you provide on an application or other forms such as your current or past employers or from other financial institutions where you conduct your business.

We will never disclose any nonpublic information about you or your finances unless authorized by you or as permitted to by law. 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 have physical, electronic and procedural safeguards in place to maintain the confidentiality and privacy of each member. We also comply with all Federal Regulations and Lending Industry Practices to help safeguard all your nonpublic personal information.

Be further assured if you decide to terminate your membership with the Middlesex Healthcare Federal Credit Union, or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.

July, 2004