Cambridge Teacher's Federal Credit union is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting our members' privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard you personal financial information.

Information We Collect About You
We collect 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 transaction s with us or others;
• Information we receive from a consumer reporting agency; and
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

Information We Disclose About You
We are committed to providing you with competitive products and services to meet your financial needs which may require that we share information about with others to complete your transactions and provide you with a choice of products and services. In doing so, we may disclose all of the information we collect, as described above and as permitted by law.

We may also disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not allow these companies to sell the member information we provide to other third parties.

Lastly, in order to conduct the business of the credit union, we may disclose nonpublic personal information about you as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.

Certain Parties That Receive Information from Us Where You Can Request To Opt Out
We may disclosure nonpublic personal information about you to third parties.

If you prefer that we do not disclose nonpublic personal information about you to such nonaffiliated third parties, you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than those permitted by law). See the form attached below.

Disclosure of Information About Former Members
If you terminate your membership with Cambridge Teachers Federal Credit union, we will not share information we have collected about you, expect as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What You Can Do to Help Protect Your Privacy
Cambridge Teachers Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

How to Opt Out or Stop Certain Disclosures About You
If you wish to opt out of disclosures to nonaffiliated third parties as described immediately above, you should do one of the following:

• Call a member services representative at (617)492-3212
• E-mail us at: tmccarthy@cambridgeteachersfcu.org
• Complete the attached form and mail it to us

If you have any questions concerning this notice please do not hesitate to call us - we are here to serve you.

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CTFCU OPT OUT RESPONSE FORM

I am exercising my opt out option as permitted by law.
Name: _______________________________________________________
(Note: Any one listed on the account may elect to opt out on the account on behalf of all account holders)

Account Number(s): ____________________________________________________________