TFCU GENERAL PRIVACY POLICY
Effective September 1, 2006

Teacher Federal Credit Union (TFCU) is committed to aggressively protecting your private financial information. We do not disclose non-public information about our current members or former members to any third party that is not essential to the credit union’s operations except as permitted or required by law. Therefore, it is not necessary for our current or former members to opt out of information sharing by TFCU.

We will use the non-public personal information you provide only as appropriate in the normal course of our business to provide the products and services you have requested or may benefit you. This includes information from our wholly-owned affiliates. Sometimes it is necessary to provide non-public personal information about you to a third party, such as to a vendor or service company that we hire to provide support or services on our behalf and as necessary to process a transaction that you have requested.We may also disclose non-public personal information we collect to companies that perform marketing services on our behalf.When we enter into these relationships, we require them to adhere to strict standards regarding the security and confidentiality of member information. They cannot release or use your information for their own purposes or sell your information to any third party.

Federal regulation requires that we provide you with details on what information we collect about you, and when that information is shared.

The type of non-public personal information we collect:

• Information we receive on applications or other forms to establish and administer your accounts;
• Information about your transactions with us or others;
• Information we receive from consumer reporting agencies; and
• Information about your transactions and experience with Mortgage Lending Services, Inc. and CU Financial Services, Inc., our wholly owned affiliates.

We may disclose all of the information that we collect, as described above. The circumstances under which we share non-public personal information:

• When we receive your prior consent;
• When necessary to complete a transaction you have initiated;
• When reporting as permitted by law to a credit bureau or similar consumer reporting agency; and
• As authorized or required by law or in response to the judicial process.

However, we will share transaction and experience information only with our affiliates.

We maintain security standards and procedures to protect unauthorized access to your confidential information. These security standards and procedures include procedural, physical and electronic safeguards. Our employees’ access to non-public personal information is limited to what is needed to transact your business.We regularly update and test our procedures to improve the protection of your information and to assure its integrity.

We continually strive to maintain complete, accurate and up-to-date information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please contact us using our address, website or toll-free telephone number listed below.

Protecting the privacy of your financial information at Teacher Federal Credit Union has always been one of our most important responsibilities. Maintenance of confidentiality is our standard practice and you can rely on us to guard the security, integrity, and confidentiality of your personal financial information.

You may contact us at (763) 544-1517 or outstate at (800) 862-1998, or by mail at Teacher Federal Credit Union, Attn: Privacy Officer, 6681 Country Club Drive, Golden Valley, MN 55427-4999, or by e-mail at privacy@tfcumn.org.