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At Alcoa Tenn Federal Credit Union, your privacy is top priority. We agree not to disclose account information to third parties except when:

1. it is necessary to complete a transaction;
2. the third party seeks to verify the existence or condition of your account in accordance with applicable law;
3. such disclosure complies with the law or government agency or court order; or
4. you give us written permission.

This notice describes how we protect the privacy of your personal information. Throughout this notice the word "information" refers to personal information about you that may not be publicly available.

Information that we collect:

We collect information about you from the following sources:

• Applications and other forms you submit to us, such as your name, address, social security number, and income.
• Information about your transactions with us and others. Such as your account balance and payment history.
• Consumer reporting agencies, such as your credit worthiness and credit history.

We may disclose all of the information that we collect, as described above.

Parties to whom we may disclose the information:

• Financial sercive providers, such as those that provide mortgage securities, credit card, and insurance services.
• Non-financial companies, such as consumer reporting agencies, our data processor, check/share draft printers, financial statement publishers, and IRS.

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial instiutions with whom we have joint marketing agreements. We may also disclose information about you under other circumstances, as permitted or required by law.

We also follow the Fair Credit Reporting Act.

How we protect 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 that comply with all federal regulations to guard your information.

Availability of Policy

ATFCU is proud of its commitment to member confidentiality, and will make this policy available upon request. We distribute the policy/privacy notice to each new account and to the membership annually.