Tower Federal Credit Union’s Privacy Policy

Under the Gramm-Leach-Bliley Act 1999

Tower Federal Credit Union respects the privacy of its members. Protecting the privacy of your personal information, along with your financial assets, is at the core of our business. It is our goal to protect your information in every way in which we interact with you, whether it be in a branch, over the telephone, by mail, or online through the Internet. We exercise great care in safeguarding your information in our business dealings with affiliated and non-affiliated companies with whom we do business. In addition, both state and federal law impose on us an affirmative and continuing obligation to protect the security and confidentiality of your information.

Recognition of Your Expectation of Privacy
We value your trust and recognize that the confidentiality of your personal financial information is one of our most important responsibilities. Accordingly, we have measures in place that are designed to protect and prevent misuse of your information.

Employee Access to Your Information
Our employees are trained on the necessity of maintaining the confidentiality of your information. Additionally, we have security controls that limit employee access to information to employees who need to know that information in order to provide products, services, or information to you, or to maintain your accounts.

Security Procedures
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard against unauthorized access to personal information. These measures apply to internal access as well as information shared with our affiliates, and any third parties with whom we maintain a business relationship.

How We Collect Information
We collect information about you from the following sources:

• Information you provide on applications or other forms
• Information resulting from your transactions with us or our affiliates
• Information we receive from consumer reporting agencies

On our web site we collect and retain some information on an anonymous and aggregate basis, such as:

• Time and length of the visit
• Pages accessed
• Internet service provider used

If you contact us via e-mail, we will collect and retain your e-mail address, as well as the information contained in the message.

How We Use Personal Information
We limit who receives personal information about you and the type of information we share. Any information that might be shared with our affiliates, or non-affiliates, is done so only as a result of an agreement with you, or when exercising our rights under the law.

Your Information May Be Shared
TFCU Financial Services, LLC(TFCUFS), is our affiliate which offers you the opportunity to purchase insurance products, annuities, and mutual funds through the following firms:

• MEMBERS Financial Services
• CUNA Mutual

From time to time, we may provide TFCUFS with your name and address if we believe that you might benefit from its services. We share no other personal information. You may choose not to have your name and address provided to our affiliate by following the instructions provided in the section titled, Your Choices.

Other Companies That Do Business With Us
As permitted by law, we contract with non-financial companies to perform some specific services, such as: