To assure the conitnued privacy and confidentiality of your personal financial information, your crdit union observes these practices and procedures:

Information We Collect:

We collect nonpublic information about you for some or all of the following sources:

Information We Disclose:

We do not disclose any nonpublic personal information about our members and former members to affiliates or non-affiliated third parties except as permitted by law.

Our Security Measures:

We restrict access to nonpublic 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 nonpublic personal information.

Credit union members and the public may receive copies of this notice of privacy practices by contacing the credit union.

This notification meets the notification requirements of the National Credit Union Administration regulation on privacy of consumer information, Part 716.

Internet Privacy Policy For Citizens Federal Credit Union

At Citizens Federal Credit Union, we do everything we can to protect the privacy of consumers and our members, including those who visit our Web site. We value your time and your interest in our organization. We place a high priority on ensuring the security and privacy of data pertaining to each member. Citizens Federal Credit Union is aware that as members, you have entrusted us with your financial information and accounts, and also have shared personal information with us.

Citizens Federal Credit Union's Consumer Data Protection and Privacy Practices

Citizens Federal Credit Union's Board of Directors and staff believe it is important to inform you of the data protection and privacy practices that we have instituted. We have:
1. Established specific security protection practices to ensure privacy of information
2. Defined control methods to limit access to consumer information
3. Formalized procedures and processes to ensure the maintenance of accurate information
4. Established procedures and restrictions on disclosure of member account information
5. Defined standards for consumer data collection, use, and methods of storage
6. Required consumer privacy agreements in third-party service and business arrangements
7. Ensured that our staff is committed to protect a consumer's right to privacy
8. Disclosed to our members our privacy benchmarks and provided an overview of institution privacy practices

Accuracy of Information
Every effort is made to ensure that our records of your information are complete and correct. If an error is noted on your statement or in any other communication from us, please contact us at the number listed below as soon as possible.

The Collection and Use of Information
• Information we received from you on applications or other forms
• Information about your transactions with us, or others
• Information we receive from a consumer reporting agency

We collect only the information necessary to deliver quality products and services to our members. Only authorized and trained employees have access to your personal information. We also are continually assessing new technology, as it becomes available, to continue to best protect your privacy.

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. For example, we may share information to comply with U.S. tax laws and court orders, or with consumer reporting agencies. We may also share information with companies that work for us in providing you products and services. Such companies include check printers and data processors. These companies act on our behalf and are obligated to keep any information we share with them confidential.

On our website we use a technology called "cookies" to customize the site for returning visitors. A cookie is a small piece of data that is stored on a visitor's PC and later retrieved. For example, you may have noticed that upon returning to a frequently visited web site, you can quickly see the areas of the site you often visit. This is helpful when you return to a site to obtain information from certain sections quickly. Our policy is to use cookies only for these limited purposes.

To provide you with greater access of information, the Citizens Federal Credit Union Group site also contains links to other sites. While we hope these organizations join us in respecting your privacy, Citizens Federal Credit Union is not responsible for the content or privacy practices of these other web sites.

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

If you have any questions or comments about our privacy practices, please contact us at
1-800-248-2328 or write us at P.O. Box 425, Big Spring, Texas 79721.
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