Policy on Confidentiality
 - Your Right to Financial Privacy

You have the right to know the privacy policies and practices of the Northrop Grumman Federal Credit Union in regard to the sharing of information, which either concerns or pertains to you, with both affiliates of the Credit Union and any non-affiliated third parties. This notice describes the privacy policies and practices of the Credit Union.

DEFINITIONS
We will use certain terms in this notice which we define as the following:

WE, OUR, CREDIT UNION
This will mean the Northrop Grumman Federal Credit Union.

YOU, MEMBER, YOUR(S)
This will mean our Member with whom we have a continuing relationship through one or more accounts as well as any non-member, without an actual account relationship who may use a service that we provide (such as an ATM).

PUBLICLY AVAILABLE INFORMATION
This is any Member information that we have a "reasonable basis" to believe as true and which is available to the general public from either official public records (such as real estate records), or widely distributed media (such as television, telephone books, newspapers or radio), or is disclosed to the general public as a requirement of federal, state or local laws (such as security filings).

NONPUBLIC PERSONAL INFORMATION
This is personally identifiable Member financial information (such as information that you supply us to obtain a financial product or service; or any specific transaction of yours which involves any financial product or service that we provide; or that we otherwise obtain about you in connection with providing you with any specific product or service that we offer) which is not available through public sources, and includes any listing, description, or other grouping of consumers, that may be derived from the use of any personally identifiable financial information.

AFFILIATE
This is any company that controls, is controlled by, or is under common control with another company (such as our affiliate Flight Plan Financial Services.) Note: We may share your nonpublic personal information with Flight Plan Financial Services, but only in a way that is permitted by law.

NONAFFILIATED THIRD PARTY
Any person or corporate entity that is not an affiliate or a joint employee of the Credit Union, and a third party.

CONSUMER REPORTING AGENCY
A person or business who collects and evaluates consumer credit information for the purpose of providing consumer reports to third parties.

• Information we receive from you on applications and other forms that you submit to us;
• Information about your transactions with us, our affiliates or others;
• Information we receive from consumer reporting agencies.

IF OUR RELATIONSHIP ENDS
If you decide to terminate your membership in the Credit Union, by closing your accounts or you become a non-member / non user of our services, we will adhere to all of the privacy policies and practices that are described within this notice.

CONFIDENTIALITY AND SECURITY
We maintain physical, electronic and procedural safeguards which are in compliance with federal standards to guard your nonpublic information. We also restrict access to your nonpublic information to the "employees who need to know it" in order to provide products or services to you.

PROTECTING YOUR OWN INFORMATION
The Northrop Grumman Federal Credit Union does not sell any of your personal information to outside firms for marketing purposes. However, there are outside agencies and companies, including credit reporting agencies, who will. Your personal information, which meets certain criteria, could be included on lists and sold to marketing companies who are members of the Direct Marketing Association. If you do not want any of your information shared with these companies and want to cut down on "junk mail" and annoying "dinner time phone calls," we recommend the following:

To inform the National Consumer Reporting Agencies (Credit Bureaus) that you do not want personal information shared for marketing purposes, call their toll free number 1-800-353-0809.

To erase your name from direct mailing and/or telemarketing lists you must write to the Direct Marketing Association at both of the following addresses and ask that your name be deleted from any lists that they sell.

Mail Preference Service Assoc. c/o Direct Marketing Association
P.O. Box 9008 Farmingdale, NY 11735-9008

Telephone Preference Service Assoc. c/o Direct Marketing Association
P.O. Box 9014 Farmingdale, NY 11735-9014

Identity theft is one of the fastest growing crimes in the world. Thieves steal your personal information and use it to commit fraud or theft, such as opening new checking or credit card accounts in your name. You can minimize your risk of becoming a victim by controlling the amount of personal information that you release; by knowing who you are releasing the information to; and by verifying why they want or need it and what it will be used for.

If you become a victim you should report it to all of the following: the creditors of any accounts that were tampered with or opened; the fraud department of all three major credit reporting agencies; your local police or the police of the community where the theft took place; and the Federal Trade Commission at their toll free number 1-877-438-4338.