JCFCU is committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete our transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider. If you prefer that we not disclose information about you to certain businesses, you may "opt out" 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 that we may disclose about you as permitted or required by law. These disclosures typically include information to process transactions on our behalf, conduct the operations of JCFCU, follow your instructions as you authorize or protect the security of JCFCU's financial records.

And we may also disclose all the information we collect, as described below, 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. All business partners and approved vendors have entered into written agreements with us not to disclose any of our members' information and to use this information for the sole purpose of providing financial products and services or assistance in the completion of ongoing financial services. We do not permit these companies to sell to other third parties the information that we provide to them.

Information We Collect About You

JCFCU collects nonpublic personal information about you from the following sources:

• Information we receive from you on applications, your membership agreement and other forms;
• Information we receive from a consumer reporting agencies;
• Information provided by our sponsor groups; and
• Information about your transactions with us or others.

Information We May Disclose About You

JCFCU may disclose the following kinds of nonpublic personal financial information about you:

• Information we receive from you on applications, your membership agreement and other forms, such as your name, address, social security number and income.
• Information about our 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 history and credit card usage.
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Certain Parties That Receive Information from Us Where You Can Request To Opt Out

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

• Financial service providers, such as insurance companies, mortgage service companies, and securities broker-dealers.
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, member statement printers, retailers, plastic card processors, direct marketers, and government agencies.

How to Opt Out Or Stop Certain Disclosures about You

If you prefer that we do not disclose nonpublic personal information about you to such nonaffiliated third parties as listed above, you may opt out of those disclosures. If you wish to direct us not to make disclosures to nonaffiliated third parties (other than those permitted by law), you may print and complete our Privacy Opt Out Response Form, which is found at www.jcfcu.org, saving a copy for your records, and follow the directions on the Form for returning the completed Form.

You may opt out of these disclosures at any time. This opt out option, by law, will not apply to disclosures that JCFCU makes to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

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 later wish to revoke your opt out election.

Note to non-member joint account holders: Anyone of you may exercise the right to opt out, even if you are not actually a member of JCFCU and JCFCU will wtreat an opt out request from any one party to an account as if all of you directed us to not make disclosures to nonaffiliated third parties to which the opt out right applies.

Disclosure of Information about Former Members

If you terminate your membership with the credit union, we will not share information that we have collected about you except as permitted by law.

How We Protect Your Information

All access to our members' personal financial information is restricted. Access is granted to employees, and elected and appointed officials of the JCFCU for the purpose of providing the financial services or products to the membership, in order to perform their ongoing duties and in compliance with all federal and state regulations. The JCFCU has safeguards in place to protect our members' personal (nonpublic) information. These include strict procedural safeguards, electronic safeguards, and physical safeguards. All safeguards are, at minimum, compliant with federal regulations concerning this subject. Our mailings are not targeted to children and we do not knowingly solicit data from or market to children.

INTERNET

We use encryption/security software to safeguard the confidentiality of personal information we collect from you. Cryptography scrambles messages exchanged between your browser and our online site.

When you go to the sign-on page for online banking, your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption.

SSL requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known by your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server. Both sides require the keys, as the keys are needed to de-scramble (decrypt) the messages when they are received. The SSL protocol not only ensures privacy but also ensures that no other browser can impersonate your browser, nor alter any information sent. You can tell whether your browser is in a secure mode by looking for the secured lock symbol at the bottom of your browser.

Cookies: A cookie is a way a web site recognizes whether you previously visited the site and is a piece of data given to a browser by a web server, so that the browser will hand the data back to the server on subsequent visits.

Visitors to our web site remain anonymous. We do not collect personal identifying information about visitors to our site. We do, however, automatically collect certain standard non-identifying information about visits to our site, such as the date and time of your visit, the Internet provider address you were assigned, city, state and country and the pages that you access on our web site. This information is used to compile standard statistics on site usage. For members accessing our Home Branch we will collect, use and retain only the personal information that we believe is necessary to help provide you our products, services and other opportunities to you.

Our Home Branch server is not directly connected to the Internet. The data that is transmitted to and from the server must first pass through a firewall. A firewall is a hardware or software device that monitors network traffic and blocks inappropriate connections to other computers on a network.

Email you send us may not be secure unless you access us via one of our secure online services. For that reason, do not send us confidential information such as Social Security or account numbers through an unsecured Email. If you provide us identifying information in an Email (e.g., name and address), this information will only be used to communicate with you and to handle your request. This information is not sold or transferred to other parties.

We do not knowingly collect, maintain or use personal information from our web site about children nor do we market any of our products to children. In addition, our web site is not designed for use by children.