Massachusetts State Employees Credit Union is owned by its members and run by a

Board of Directors you elect. We are required by law to give you this privacy notice to

explain how we collect, use and safeguard your personal financial information. If you

have any questions, please contact a Member Service Representative at 800-700-7733 or

617-723-5555

We are committed to providing you with competitive products and services to meet your

financial needs, which necessitates that we share information about you to complete your

transactions and to provide you with certain financial opportunities. In order to do so, we

have entered into agreements with other companies that provide either services to us or

additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as

described below, to companies that perform marketing or other services on our behalf or

to other financial institutions with whom we have joint marketing agreements. 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 permit

these companies to sell to other third parties that information we provide to them.

Information We Collect and Disclose About You

We collect and may disclose nonpublic personal information about you from the

following sources:

-Information we receive from you on membership and loan application and other

forms;

-Information about your transactions with us or others;

-Information we receive from a consumer reporting agency;

-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 transactions.

We may also disclose information we collect about you under other circumstances as

permitted or required by law. These disclosures typically include information to process

transactions on your behalf, conduct the operations of out Credit Union, follow your

instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Massachusetts State Employees 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.

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