NOTICE OF PRIVACY PRACTICES FOR CREDIT UNION MEMBERS

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IMPORTANT INFORMATION ABOUT THE PERSONAL DATA THE CALHOUN LIBERTY EMPLOYEE CREDIT
UNION COLLECTS AND HOW IT IS USED.

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OBJECTIVE

THE CREDIT UNION IS COMMITTED TO MEETING ALL THE FINANCIAL NEEDS OF ITS MEMBERS WITHOUT
COMPROMISING THE VALUED RELATIONSHIP WITH OUR MEMBERS.

IN THEIR DAILY TRANSACTIONS AND DEALINGS WITH US, OUR MEMBERS FURNISH US SENSITIVE AND
CONFIDENTIAL INFORMATION.  WE ARE COMMITTED TO PROTECT OUR MEMBER'S PRIVACY AND IT IS
OUR STATED INTENT TO COMPLY WITH THE NCUA PRIVACY RULES AND OTHER APPLICABLE PRIVACY
PROVISIONS.  WE COLLECT NON-PUBLIC INFORMATION ABOUT YOU FROM SOME OR ALL OF THE
FOLLOWING SOURCES:

*  INFORMATION WE RECEIVE FROM YOU ON APPLICATIONS OR OTHER FORMS
*  INFORMATION ABOUT YOUR TRANSACTIONS WITH US, OUR AFFILIATES OR OTHERS; AND
*  INFORMATION WE RECEIVE FROM A CONSUMER REPORTING AGENCY

PRIVACY PRACTICE

THE CREDIT UNION  SHALL ONLY DISCLOSE THE INFORMATION IT COLLECTS FROM IT'S MEMBERS AND
FORMER MEMBERS TO AFFILIATES OF THE CREDIT UNION TRANSACTION PROCESSORS, OTHER
FINANCIAL INSTITUTIONS OF THE CREDIT UNION AND THOSE PARTIES ALLOWED BY LAW.

NO CREDIT UNION EMPLOYEE SHALL REQUEST INFORMATION FROM A MEMBER UNLESS THE
INFORMATION IS NECESSARY TO CONDUCT OR COMPLETE A TRANSACTION, PROCESS AN
APPLICATION OR IS FOR BUSINESS PURPOSES.

TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY LAUNDERING
ACTIVITES, FEDERAL LAW REQUIRES ALL FINANCIAL INSTITUTIONS TO OBTAIN, VERIFY AND RECORD
INFORMATION THAT IDENTIFIES EACH PERSON WHO OPENS AN ACCOUNT.

WHEN A MEMBER OPENS AN ACCOUNT WITH THE CALHOUN LIBERTY EMPLOYEES CREDIT UNION, THE
CREDIT UNION WILL ASK FOR THEIR NAME, ADDRESS, DATE OF BIRTH AND OTHER INFORMATION THAT
WILL ALLOW THE CREDIT UNION TO IDENTIFY THE MEMBER. THE CREDIT UNION WILL ALSO ASK TO
SEE THE NEW MEMBER'S DRIVER'S LICENSE OR OTHER DOCUMENTS OF IDENTIFICATION.

THE CREDIT UNION SHALL RESTRICT ACCESS TO OUR MEMBERS INFORMATION TO THOSE
EMPLOYEES WHO NEED TO KNOW THAT INFORMATION TO PROVIDE PRODUCTS OR SERVICES. THE
CREDIT UNION SHALL MAINTAIN PHYSICAL, ELECTRONIC AND PROCEDURAL SAFEGUARDS THAT
COMPLY WITH FEDERAL AND STATE REGULATIONS IN ORDER TO PROTECT OUR MEMBERS
PERSONAL INFORMATION.

CREDIT UNION MEMBERS AND THE PUBLIC MAY RECEIVE COPIES OF THIS NOTICE OF PRIVACY
PRACTICES BY CONTACTING THE CREDIT UNION.

THIS NOTIFICATION MEETS THE REQUIREMENTS OF THE NATIONAL CREDIT UNION ADMINISTRATION
REGULATION ON PRIVACY OF CONSUMER INFORMATION. PART 719.

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