Clearpath Federal Credit Union respects the privacy of our members. You have chosen to do business with us, and we recognize our duty to keep the information you provide us secure and confidential. We are providing you this privacy notice to explain how we collect, use and safeguard your personal financial information.

We are committed to providing you with financial products and services that will help you conveniently complete your transactions and enable you to meet your financial goals. In order to do so, we may share information about you with other companies that provide either services or offer additional financial products. If you prefer that Clearpath not disclose information about you to certain businesses, you may "opt out" of certain of these disclosures, that is, you may direct us not to disclose information about you, as explained in this notice. This "opt out" will not apply to information we may disclose about you as permitted or required by law.

Keeping your account information accurate and up to date is very important. Clearpath has established procedures to ensure that your information is accurate, current, and complete. If you find that your account information is inaccurate or incomplete, please call or write us at the telephone number or address listed on your account statement. We will research and correct any inaccurate information as quickly as possible.

Information about you is available to our employees and agents on a "need to know" basis. We train our employees to protect the information we have about you, and do not release your information to others without verifying who they are, and if they may have legal access to your information.

To protect our member's privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell your information to other third parties.

Clearpath maintains a disaster recovery plan to secure your information in the event of natural disasters, and tests this plan regularly to ensure your information's availability and safety. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Updated: December 27, 2000

We may collect and retain nonpublic personal information about you from the following sources:

• Information we receive from you on membership and loan applications and other forms;
• Information about your transactions with us or others;
• Information we received from a credit reporting agency; and
• Information obtained when verifying the information you provide on an application or other forms.

To better serve you, we may share the following kinds of non public personal information with others as permitted by law:

• Information we receive from you on applications and other forms, such as your name, address, and social security number;
• Information about your transactions with us or other companies that work closely with us to provide you with financial products and services, such as your account balances, payment histories, and credit card usage; and/or
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

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

• Financial service providers, such as companies providing Accidental Death and Dismemberment insurance.

If you prefer that we do not disclose nonpublic personal information about you to the types of nonaffiliated third parties listed above, you may choose to opt out of such disclosures. If you opt out of such disclosures, your account records will be marked in our database so that your information will not be included in any future mailings, phone calls, or contacts.

Clearpath Federal Credit Union will treat an opt out request from any one party on an account as a request to opt out from all parties on the account.

To opt out, you should do one of the following:

• Call a member service representative at (800) 433-7328
  Important! This opt out option will not apply to disclosures that we make to companies that perform services on our behalf, or to disclosures necessary to comply with state or federal law.

Once we receive your request not to make further disclosures, we will act as quickly as possible to stop disclosures. You may always contact us for assistance if you wish to revoke your right to opt out at a later date. You may choose to opt out at any time.

If you choose to terminate your membership with Clearpath Federal Credit Union, we will not share information collected about you, except as permitted or required by law.