directors you elect. You can be confident that your financial privacy is a top

priority of this credit union. 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 Dillon, (406)683-4373.

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 in this notice, 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 protection and limit

the use of information we provide. We do not permit these companies to sell to

other third parties the 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 applications and other

forms;

*Information about your transactions with us and 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 our credit union,and follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with High Peaks Federal Credit Union, we will

continue to adhere to the privacy policies and practices as described in this

notice.

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.

"PROTECTING CHILDREN'S INFORMATION PRIVACY"

The online financial services 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 any 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 you believe your child has provided personally identifiable information to us, please contact us so we can allow