TEN PRINCIPLES OF PRIVACY THAT GUIDE OUR BEHAVIOR RESPECTING YOUR PERSONAL INFORMATION

Principle 1. Accountability

We are accountable. We take full responsibility for protecting the personal information you entrust us with. We have a designated Privacy Officer to ensure Northern Credit Union's compliance with all our principles of privacy.

Principle 2. Identified Purpose

We will tell you why we need the information we ask you for. Before, or at the time we ask you for your personal information, we will tell you why Northern Credit Union needs the information.

Principle 3. Consent

We will act only with your consent. You'll know what information we need to collect before or at the time we need to collect the information.

Principle 4. Limited Collection

We will only collect the information we need. The information we ask for will be limited to the purposes identified by us.

Principle 5. Limited Use, Disclosure and Retention

Your personal information will not be used or disclosed for any purpose other than what we said we need it for, or as required by law. We'll retain your information only as long as necessary for the fulfillment of those purposes.

Principle 6. Accuracy

We will be sure your information is up-to-date, accurate and complete.

Principle 7. Safeguards

We will protect your information with all the security safeguards needed, respecting the sensitivity of the information you've entrusted us with.

Principle 8. Openness

We will make specific, understandable information readily available to you about our policies concerning the privacy of your information.

Principle 9. Member Access

Yes, when asked, we will show you all the information we have about you and we'll tell you how we've used it. You can question the accuracy and completeness of the information and if you think it is appropriate, ask us to amend it.

Principle 10. Managing Member Suggestions and Complaints

You can clear up any concern or ask any question about our Ten Principles of Privacy and Northern Credit Union's compliance by contacting our Privacy Officer: privacy@northerncu.com, 1-800-461-2238. Northern Credit Union Limited, Box 2200, 280 McNabb Street, Sault Ste. Marie, Ontario, P6B 1Y6