Revision Date: October 1, 2009

PRIVACY POLICY DISCLOSURE

Municipal Employees Credit Union of Baltimore, Inc. (MECU) respects the privacy of its members. Protecting the privacy of your personal information, along with your financial assets, is at the core of our business. It is our goal to protect your information in every way in which we interact with you, whether it be in a branch, over the telephone, by mail, or online through the Internet.

We exercise great care in safeguarding your information in our business dealings with non-affiliated companies with whom we do business. In addition, both state and federal law impose on us an affirmative and continuing obligation to protect the security and confidentiality of your information. You can be confident that your financial privacy is one of MECU's top priorities. We are required by the GrammLeach-Bliley Act of 1999 to provide this privacy notice to explain how we collect, use and safeguard your personal financial information.

Recognition of Your Expectation of Privacy

We value your trust and recognize that the confidentiality of your personal financial information is one of our most important responsibilities. Accordingly, we have measures in place that are designed to protect and prevent misuse of your information.

Employee Access to Your Information

Our employees are trained on the necessity of maintaining the confidentiality of your information.

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

Security Procedures

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard against unauthorized access to personal information. These measures apply to internal access as well as information shared with any third parties with whom we maintain a business relationship.

How We Collect Information

We collect information about you from the following sources:

• Information you provide on MECU applications or other forms
• Information resulting from your transactions with us
• Information we receive from consumer reporting agencies

On our web site, we do not collect any personal information from you unless you tell us by completion of an application for services. However, we do collect and retain some information on an anonymous and aggregate basis, such as:

•  Time and length of the visit
•  Pages accessed
•  Internet service provider used

If you contact us via email, we will collect and retain your email address, as well as the information contained in your messages.

How We Use Personal Information

We limit who receives nonpublic information about our members and former members and the type of information shared. Any information that might be shared with non-affiliates, is done so only as permitted by law.

Your Information May Be Shared With the Following :

From time to time, we may provide CUNA Mutual® MemberCONNECT™ Program and Nationwide® Insurance with your name, address, date of birth, enrollment date and phone number, if we believe that you might benefit from its services and opportunity to purchase insurance and/or financial products. No other personal information is shared. Under written agreement with CUNA Mutual and Nationwide Insurance, your personal information may not be sold or used for any other purpose.

As permitted by law, MECU contracts with non-financial companies that do business with us to perform some specific services, such as:

•  Check printing
•  Statement processing
•  Consumer reporting
•  ATM/Credit/Debit card processing
•  Printing & mailing of marketing materials
•  Marketing services for MECU's financial products and services

We require that these business partners and vendors safeguard all personal information concerning our members. Under written agreement, your personal information may not be sold or used for any other purpose. The types of financial information that might be shared with non-financial companies may include any, or all, of the following:

•  Name and address/ phone number
•  Date of Birth
•  Account type/ balance/ history
•  Loan payment history

MECU reserves the right to amend this disclosure at any time without prior notice. This disclosure amends existing agreements the credit union has with you.

Protecting Your Identity

Protecting your identity, managing risk and fraud is vitally important to MECU. New forms of fraud are rampant. To address these concerns, MECU as well as other businesses and the government, seek to develop procedures, service enhancements, and regulatory policies to safeguard individuals and businesses from these threats.

You can be part of the fight against fraud and identity theft by securing your Personal Identification Number (PIN) and any other identification that you use at ATMs or online. Your PIN is confidential and should not be shared with anyone. Please understand that if you reveal your PIN to anyone or request that the credit union issue a PIN to anyone else, you have authorized that individual to transfer and withdraw funds from any of your accounts which may be accessed via the PIN.

MECU wants to help you protect yourself. A good place to start is the MECU website – www.mecu.com. Under the “News” section is a “Security Alert” tab. There is a section on Identity Theft and how you can help prevent it, with tips such as -- Never give out your PIN number and account number to anyone who contacts you via phone or email.

Other ways MECU protects you:
•  The FALCON system monitors for credit card fraud.
•  Under online banking you can set up your own “preferences” and receive notification of changes in your accounts.
•  You can sign up to receive an eStatement to help prevent your statement from being stolen from the mail.
•  You can have payments such as Social Security or retirement checks sent directly to your account to help prevent lost or stolen checks.

To help reduce the impact of fraud and identity theft, we will continue to invest in programs to help us know that we are dealing with you when you contact the credit union - whether in person, over the phone, by mail or online.