USA Patriot Act

     On October 26, 2002, President Bush signed into law the USA PATRIOT ACT. The
purpose of this law is to help protect you, your family and our country from terrorism by
preventing terrorist financing. We want you to know that section 326 of the Act requires
our credit union to verify the identity of all new credit union members. We must also
verify the identity of members and non-members added as signatories to, and have access
to, new or existing deposit accounts and loans. We must also retain copies of the
documents used to verify your identity.

If you are an existing member who joined the credit union before the USA PATRIOT
ACT rules became effective, we may also need to verify and retain copies of any
documents used to verify your identity when you request a new deposit account, apply
for a loan, or are added as a signatory to a new or existing deposit or loan account.
We ask for your understanding as we work to support these efforts to maintain the
security of your funds and our country. Please speak with a credit union staff member if
you have questions or concerns about our identity verification procedures.
Thank you,

Nickel Steel Federal Credit Union