Privacy Disclosure and Opt Out Notice
At Texoma Community Credit Union, we value the trust you, our members, have placed in us since we organized on January 26,1953. We are committed to continuing this proud tradition for years to come. We work diligently to earn and hold your trust.

Behind this pledge is a simple idea. You can count on us to protect the privacy and security of your financial information. We have always held your confidential and private information with high standards. Under Federal law, we are required to communicate our privacy practices and policies to you concerning personal information we collect and disclose about our members, We comply with the NCUA Privacy Rules 12 C.F.R. Pare 716 and the Texas Credit Union Bylaws 4.01(a). This notice describes our Privacy Policies and practices and explains what you can do to "opt out" of the information sharing process. It includes information about who receives personal information and non-public information from us as we conduct business.

If You Have Questions about how to "Opt Out"
If you have any questions about confidentiality, about your information or wish to "opt out" call or write: Privacy Officer at: (940) 851-4000 or PO Box 1320, Wichita Falls, TX 76307.

Privacy Notice

Information We Collect About You
As permitted by law, we reserve the right to collect information as described below. We collect non-public personal information about you from the following:

• Information received from you on applications.
• Information about your transactions with us.
• Information obtained when collecting or verifying information you provide on an application, other forms and non-affiliated third parties. This may be obtained from employers of other businesses where you conduct businesses where you conduct business.
• Information from consumer reporting agency.

Parties We May Disclose Information To
TCCU does not, as a matter of policy, disclose information about you to non-affiliated third parties. We are permitted by law, however, to disclose non-public personal information we collect about you in the following categories of non-affiliated third parties:

• Financial service providers, such as insurance companies, mortgage and title companies.
• Non-financial companies, such as plastic card (credit card) processors, statement processors, check printers, consumer reporting agencies and data processors.

Disclosure of Information to Parties About You
We do not disclose any non-public personal information about our members or former members, except as permitted or required by law. These disclosures typically include information * to protect the security of our financial records, * to process transactions on your behalf, * to follow instructions you give the credit union, or * to otherwise conduct the daily operation of the credit union.

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing of other services on behalf or to other financial institutions with which we have joint marketing agreement so that we may provide members competitive products and services.

Confidentiality and Security
We restrict access to non-public information about you to those employees who need to know that information to provide products of services to you. We have internal procedures that limit access to member information, such as procedures that require an employee to have a business need to access your information, We maintain physical, electronic and procedural safeguards that comply with the Federal standards to guard your non-public personal information.

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 permit these companies to sell the information we provide to them to other third parties.

How to "Opt Out" or Stop Some Disclosures About You
If you prefer that we do not disclose non-public personal information about you to non-affiliated third parties, you may opt out of those disclosures. You may direct us to not make those disclosures, other than disclosures permitted by law. You may opt out by doing one of the following anytime:
1. Call 1-800-636-3439 or (940) 851-4000
2. Complete the form below and mail it to: Privacy Officer
Texoma Community Credit Union
PO Box 1320
Wichita Falls, TX 76307-1320

According to law, this opt out will not apply to *disclosures that are legally permitted, or *disclosures we make to companies that perform services on out behalf, or * to other financial instructions that have joint marketing agreement with us.

Once we receive your request, we have a reasonable amount of time to stop the disclosure, You may always contact us it you wish to later revoke you opt out election. If the owner of any joint owners opts out we will treat the account as if all parties opt out.