Notice of your Financial Privacy Rights

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of our members:

• All of our consumer members who have a continuing relationship with us, such as:
• Deposit account
• Loan Account
• All former members

We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information.

We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a share draft account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.

We first define some terms.

We, our and us means Kauai Teachers Federal Credit Union.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

Opt Out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

The Information That We Collect

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

• Information we receive from you on applications of other forms.
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from consumer reporting agency

The Confidentiality, Security and Integrity of Your Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Nonpublic Personal Information and Nonaffiliated Third Parties

We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:

• Nonpublic personal information we receive from you on an application or other forms, such as
• Name
• Address

You may opt out of the disclosure of the information listed above.

Types of Nonaffiliated Third Parties

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

• Financial service providers, such as
• Insurance agents

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Future Nonaffiliated Third Party Disclosure

We also reserve the right to disclose nonpublic personal information about you in the future with the following types on nonaffiliated third parties:

• Financial service providers, such as
• CUSO (Credit Union Service Organization)

Nonpublic Personal Information and Former Members

If you decide to close your account(s) of become an inactive member, we will follow the privacy policies and practices as described in this notice.

Your Right to Block the Disclosure of Your Nonpublic Personal Information

Nonaffiliated Third Parties. If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you may block the release of certain nonpublic personal information. This is known as your right "opt out".

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Your Have the Right to Choose

In this notice, we have explained our policy about the disclosure of certain information.

Nonaffiliated Third Parties. We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have a joint account, each participant of this account has a separate right to opt out. If one of you chooses to opt out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt out will be disclosed. Any participant on the account can opt out on behalf of any other participant of the account.

If you wish to opt out disclosures, you may do so by checking the appropriate box(es) below and returning this form to us at this address:

Kauai Teachers Federal Credit Union
2969 Umi Street
Lihue, Hawaii 96766

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