CATOOSA TEACHERS FEDERAL
CREDIT UNION
PRIVACY POLICY

CTFCU'S single purpose is to provide you with financial products and services to meet your financial goals. We intend to offer you diverse financial services including competitive products made available by our strategic relationships with other financial institutions. We believe there are the reasons you do business with CTFCU. We also believe you do your financial business with us because we have a strong history of protecting our members' privacy.

We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and enables us to share information to make available competitive financial products and services. These practices are followed by the credit union and its affiliate, Raymond James & Associates and therefore, this notice will be applied to both. If you have any questions after reading it, please contact us at 706-965-2422.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties.

Information We Collect About You

We collect information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information about your transactions with us, our affiliate (Raymond James & Associates) or others including those companies that work closely with us to provide you with diverse financial products and services;
• Information we receive from a credit reporting agency;
• Information obtained when verifying the information you provide on an application or other form(s) (this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions); and
• Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our members.

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic information about you to the following types of third parties:

• Financial companies, such as insurance companies, mortgage service companies and securities broker-dealers;
• Non-financial companies, such as, consumer reporting agencies, retailers and travel agencies; and others, such as non-profit organizations.

CTFCU and its affiliates, Raymond James & Associates may also share your nonpublic personal information with each other as permitted by law.

Disclosure of Information to Parties that Provide Services to Us

We may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide member's competitive products and services. We may also disclose nonpublic personal information about you under 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.

Disclose of Information About
Former Members

If you decide to terminate your membership with CTFCU, or its affiliate, Raymond James & Associates, we will not share information we have collected about you, except as may be permitted or required by law.

How to Opt Out or Stop Certain
Disclosures About You

If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures; that is, you may direct us no to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, please call us at 706-965-2422.

You may opt out of the disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may contact us for assistance if you wish to later revoke your opt out election.

Fair Credit Reporting Act Disclosure

As affiliates, CTFCU & Raymond James & Associates are permitted by law to share any information about their transactions or experiences with you. Information taken from credit reports may also be exchanged but will not be shared it you notify us in writing. If you elect to opt out of the information exchange, please indicate your intentions on the attached form and mail it as instructed.

How We Protect Your Information

We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do To Help

CTFCU and Raymond James & Associates are committed to protecting the privacy of its members and customers. You can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card, which can provide free access to your account if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.
• Let us know if you have any questions. Please do not hesitate to call us-we are here to serve you!