Privacy Policy

GR Building Trades Credit Union is committed to safeguarding your information, and using it in an appropriate manner. Like nearly all commercial websites, we do gather some administrative information from you as you enter our website. However, we do not gather any personal information unless you submit that information through an on-line form, or by e-mail. In order to comply fully with Federal, State and NCUA regulations, we have prepared the following Privacy Statement, and will provide privacy disclosures and updates when required.

Information we collect and store
For website security and management purposes, we employ software programs to assist us. Security software monitors traffic to prohibit content changes or other damage by unauthorized personnel. Other software programs gather data for use in statistical analysis of the site, which we use to:

assess what website information is most and least useful
determine technical design specifications
identify system performance or problem areas

We do not collect any personal information, such as your name or address, during this process. Our website collects no personal information unless you take the initiative to submit that information through an on-line form, or via e-mail.

Specifically, we automatically collect and store only the following information when you visit our site:

The Internet domain name. For example, "xcompany.com" if you use a private Internet access account, or "yourschool.edu" if you connect from a school’s domain.
The IP address from which you access our website. An IP address is a number that is automatically assigned to your computer whenever you are navigating around the Internet.
The date and time you access our site.
The pages you visit, and the result of your if any
Other status codes and values resulting from the Web server responding to the request received. Examples include HTTP status code, Windows NT code, number of bytes sent, number of bytes received, time it took to fulfill the request, server port number addresses, and protocol version.

We do not use cookies. (A "cookie" is a file placed on your hard drive by a web site that allows it to monitor your visit, usually without your knowledge.) You can set your browser to warn you when placement of a cookie is requested, allowing you to decide whether or not to accept it.

You choose whether we know who you are
You control whether or not we collect any of your personal information by choosing, or not choosing to send us that information via an e-mail, or by filling-in and sending us an on-line form. We do not correlate the personal information that you send us with the information that we automatically gather (listed above), and we do not create or maintain personal profiles based on any personal information that you submit.

We might use the personal information that you submit to us when we respond to your questions or comments. Furthermore, we might store your request for future reference as we seek to improve our Web site, and we might forward your e-mail to someone who is better able to respond to your request.

We do not authorize release of the personal information that you submit to us to any third party, without your consent, or unless we are required to do so by law.

Children’s Privacy Act

The online financial services offered through the Credit Union’s Website are not designed for or directed toward children under age 13. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental consent or notification. If we receive online information from anyone that we know to be a child, we will only use the information to respond directly to a child’s request.

We recognize that protecting children’s identities and online privacy is important and that responsibility rests with us and with parents. If any member believes their child has provided personally identifiable information to us, they must contact us so that we can allow you the opportunity to review and delete such information.

Access to Personal Information
Because we do not generally gather or store personal information regarding who visits our site, we do not have a way for you to access the information that we do gather, nor do we authorize third parties to access that information.

Furthermore, we do not have a method by which you can view any personal information that you might have submitted through e-mail or an on-line form. Please contact Mary Sullivan, grbtcu@grbtcu.com, if you have concerns about the accuracy of any information that you might have submitted.

Security of the information that we do gather
The information that we gather is stored on the private network of Credit Union Villiage our web site host. It is protected by duel redundant firewalls. We do not knowingly supply this information to any outside party unless required to do so by law.

Enforcement
GR Building Trades Credit Union has assigned a staff member the task of ensuring that we comply with the terms of this policy. Questions regarding this policy should be directed to Mary Sullivan, grbtcu@grbtcu.com

Changes
From time to time, we may change or amend our privacy policy. If we do, we will display a prominent notice of change on our home page, www.grbtcu.com, with a link to the policy, and with the most recent changes highlighted.

Exclusivity
This privacy statement applies only to information stored at the GR Building Trades Credit Union web site. To the extent that our site contains links to other sites, affiliated or otherwise, you should not assume that this privacy statement applies to those other sites.

GR Building Trades Credit Union Privacy Statement

A Private Note to Our Members:

Our credit union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with our credit union.

As a member of our credit union, you also have a responsibility to safeguard your financial information.

To ensure that you can rely upon the quality of products and services we make available, our credit union stands behind the following privacy policy:

- Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services -- no more.

- Our credit union will protect your personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

- You will always have access to your information. As a member of our credit union, you as will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.

- Our credit union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.

- Our credit union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members´ economic well-being. Under no circumstances will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.

At least once a year, we will remind all members of your rights.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean GR Building Trades Credit Union.

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

¥Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
¥Share account
¥Loan account
¥Credit card account
¥Self-directed Individual Retirement Account
¥Mortgage brokerage services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

¥Information you give us on applications or other forms

¥Information about your transactions with us

¥Information about your transactions with other parties

¥Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER MEMBERS

We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

¥Information you give us on an application or other forms, such as:

¥Name

¥Address

¥Social Security Number

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information except that residents of California may opt out of the disclosure of this information.

State Limitations

AL, AK, ID and VT - We will not share this information about members who reside in Alabama, Alaska, Idaho or Vermont.

MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

¥Financial service providers, such as:

¥Insurance agents

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to other financial institutions with whom we have joint marketing agreements:

We only allow direct mail solicitations.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

Joint Marketing for California Residents. We have explained the kinds of information we may disclose to other financial institutions with whom we have joint marketing agreements. If you are a resident of California, we will allow you to opt out of the disclosure of this information. If you prefer that we do not disclose information to those financial institutions with whom we have a joint marketing agreement (or to any outside marketing firm used in connection with such an agreement), you may opt out of those disclosures, that is, you may direct us not to make those disclosures. To do so, fill out the enclosed form labeled "Important Privacy Choices for Consumers."

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) on the Opt Out Notice that you received with this notice and returning it to us at this address:

GR Building Trades Credit Union

P.O. Box 408

Comstock Park, MI 49321-0408

IMPORTANT PRIVACY CHOICES FOR CONSUMERS

(CALIFORNIA RESIDENTS ONLY)

You have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choice below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

Your Choice

Restrict Information Sharing With Companies We Do Business With to Provide Financial Products and Services: Unless you say "No" we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

h NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

__________________________________________

Time Sensitive Reply

You may make your privacy choice at any time. Your choice marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with outside companies with whom we have contracts to provide products and services.

__________________________________________

Name

__________________________________________

Account Number(s)

__________________________________________

Signature

__________________________________________

To exercise your choices do one of the following:

Fill out, sign and send back this form to us using the envelope provided (you may want to make a copy for your records)

275727-020

Q 2000 Bankers Systems, Inc., St. Cloud, MN

Form PRIV-DISC-CU9/04/2001 2.1/2214

GR BUILDING TRADES

CREDIT UNION

4555 WEST RIVER DRIVE

COMSTOCK PARK, MI 49505

(616) 784-6390