Last updated on: 01/12/06

Registered netbr@nch users: If your Personal identifiable information changes, or if you no longer desire our service, you may make changes by emailing 1st Financial members services at Contactus01@1stfinancialfcu.org, call us at (636) 619-8300, or write to : 1st Financial , 1550 Country Club Plaza, St. Charles, MO 63303

1st Financial's use of cookies-  A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies on 1st Financial 's Internet Banking site. [We do not link the information we store in cookies to any personally identifiable information you submit while on our site.]  We use session cookies to make it easier for you to navigate our Internet Banking pages in netbr@nch.  A session ID cookie expires when you close you browser. 

Website security practices:  The security of your personal information is important to us. When you enter sensitive information (such as member number) on our netbr@nch registration and login pages, we encrypt that information using secure socket layer technology (SSL).

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can send us and email us at contactus01@1stfinancialfcu.org.

1st Financial Federal Credit Union is required by law to provide to you this privacy notice to explain how we collect, use and protect your personal financial information. This notice describes our privacy policy and practices, which apply to the personal information we collect and disclose, including the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. This notice also contains an opportunity for you to instruct us not to release personal information to certain non-affiliated third parties. If after reading this notice you have any questions, please contact us at 636-916-8300.

1stfinancialfcu.org is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build users’ trust and confidence in the Internet by promoting the use of fair information practices.  Because this web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.  www.1stfinancialfcu.org.

If you have questions or concerns regarding this statement, you should first contact 1st Financial Federal Credit Union at 636-916-8300 or in writing at 1550 Country Club Plaza, St. Charles, MO 63303.

If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with the Web site to resolve your concerns.

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

• netbr@nch registration- In order to use netbr@nch, you must first complete the registration form. During registration, you are required to give contact information. We use this information to contact you about netbr@nch related issues such as system maintenance. 1st Financial is the sole owner of the information collected on netbr@nch.
• Information we receive from you on membership and loan applications and other forms;
• Information about your transactions with others or us;
• Information we receive from a consumer reporting agency and
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial business.
• It is important to note - when you apply for a loan, a credit report is obtained at the time of application.
• Newsletters
  If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, we provide you a way to unsubscribe. Please see the "Opt-out" section below.

Information We Disclose
We are committed to provide you with competitive products and services, which
may require that we share information about you with others to complete your transactions and provide you with a choice of products and services. In doing so, we may disclose all of the information we collect, as noted above. Accordingly, we may disclose the following kinds of nonpublic personal information about you:

• Information we receive from you on an application and other forms, such as your name, address, social security number and income.
• Information about your transactions with us to provide you with financial products and services, such as your account balances, payment history and credit card usage.
• Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

Our commitment to provide you with an array of competitive products and services is also a promise to give you choices in the products and services you receive.

We may also disclose all the information we collect, as described above, to companies that perform marketing or other services on our behalf. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not allow these companies to sell the member information we provide to other third parties.

Occasionally when linking to another site, you may still see our site's logo or frame (such as when applying for a loan). This is to provide you with a seamless experience when visiting our Web site. In these cases you are no longer on 1stfinancialfcu.org and may be directed to a different Web site, such as our Internet Banking site, online loan application site, or e-statement delivery site whose information collection practices may differ from ours. The privacy policy of the site you are on will govern how information collected from you is used. You can always know what site you are on by checking the location bar within your browser.

Lastly, in order to conduct the business of the credit union, we may disclose nonpublic information about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.

How to Opt Out or Stop Certain Disclosures
If you prefer that we do not disclose nonpublic information about you to such nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those permitted by law). 

This is further explained in the attached "Opt Out Notice". You may opt out of these disclosures at any time. This opt out option, by law, will not apply to disclosures that we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

Once we receive your request not to make further disclosures, we will act as quickly as possible to stop disclosures. You may always contact us later if you wish to revoke your opt out election.

Note to joint account holders: Any one of you may exercise the right to opt out, even if you are not the primary account holder. 1st Financial Federal Credit Union will treat an opt out from any one party to an account as if all of you directed us to make disclosures to nonaffiliated third parties to which the opt out right applies.

Disclosure of Information About Former Members
If you terminate your membership with 1st Financial Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy
1st Financial Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and passwords. Never keep your PIN with your debit or credit 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, explains 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.
• Keep your information with us current. 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. If your address or phone number changes, please let us know.

If you have any question concerning this notice, please do not hesitate to call us at 636-916-8300, we are here to serve you.

Links
This web site contains links to other sites. Please be aware that we, 1st Financial Federal Credit Union (www.1stfinancialfcu.org) are not responsible for the privacy practices of such other sites.  We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information.  This privacy statement applies solely to information collected by this Web site.

Communications from the Site

We collect your contact information, such as email address, when signing up to receive the following information:

• Special Offers and Updates
  We will occasionally send you information on products, services, special deals, and promotions. You can sign up for these email newsletters on our home page. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the "Opt-out" section below.
• Newsletters
  If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, we provide you a way to unsubscribe. Please see the "Opt-out" section below.

Opt Out Notice for 1st Financial Federal Credit Union
In the course of providing services to our membership, 1st Financial Federal Credit Union collects and shares information about you. We are required by law to give you the right to "opt out" of information sharing with certain businesses, other than what is permitted by law.

Unless we hear from your during registration, we may share all the nonpublic personal information about you that we collect with third parties, not affiliated with the Credit Union, such as businesses involved in providing consumer discount programs. For example, insurance and long term care.

1st Financial Federal Credit Union believes that these types of products and services will be of value and interest to our membership. The specific companies that receive information from us are prohibited from using that information about you for any purpose other than what we agree to by contract.

If you prefer that we do not disclose your personal information to these types of businesses, you may exercise your "opt out" right at any time by one of the alternatives listed here:

• Contact the credit union at 636-916-8300 and request an "Opt Out" form
• Contact on our website at www.1stfinancialfcu.org , click on our Privacy Notice and complete the opt out form.
• Complete the attached form and mail it to:

1st Financial Federal Credit Union
1550 Country Club Plaza
St. Charles, MO 63303

We will discontinue disclosing your personal information as quickly as possible. If you have any questions about this notice, if you would like to exercise your opt out right, or if you elected to opt out previously, but have changed your mind, contact our member service representatives at 636-916-8300 or by email at Contactus01@1stfinancialfcu.org

If you wish to unsubscribe from our email marketing lists, please unsubscribe here.

Notification of Changes
If we are going to use your personally identifiable information in a manner different from that stated at the time of collection we will notify you via email or statement insert. You will have a choice as to whether or not we use your information in this different manner.  However, if you have opted out of all communication with the site, or deleted/deactivated your account, then you will not be contacted. Nor will your personal information be used in this new manner.  In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site notifying users of the change. In some cases where we post the notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.

Note to joint account holders: Any one of you may exercise the right to opt out, even if you are not the primary account holder. 1st Financial Federal Credit Union will treat an opt out from any one party to an account as if all of you directed us to make disclosures to nonaffiliated third parties to which the opt out right applies.

To opt out, please print and fill out the information below. 
Mail to: 
1st Financial Federal Credit Union, 
1550 Country Club Plaza, St. Charles, MO 63303
Attn: Marketing Department.

Opt Out Response Form

I am exercising the right to opt out as permitted by law.

Name ______________________________________ (please print)

Account Number _____________________________

Signature____________________________________

Date ________________________________________

Last updated on: 01/12/06