Your privacy is important to us.

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with out financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure you confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you please read the following information carefully.

Notice of your financial Privacy Rights.

We, our, and us, when used in this notice, mean Certified Federal 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):
  1. Share account
  2. Loan account
  3. Credit card account
  4. Self-directed Individual Retirement Account
  5. Financial, investment, or economic advisory services
  6. Mortgage brokerage services
  7. Real estate loans
• Former members

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

As 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."

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

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

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.

Information about former members

We have the same policy about disclosing information about former member as we do about current members.