CT Labor Department Federal Credit Union

FACTS: WHAT DOES CT LABOR DEPARTMENT FEDERAL CREDIT UNION DO
WITH YOUR PERSONAL INFORMATION?

WHY? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell
you how we collect, share, and protect your personal information. Please read this notice
carefully to understand what we do.

WHAT? The types of personal information we collect and share depend on the product or service
you have with us. This information can include:
        *    Social Security Number and account balances
        *    checking account information and credit history
        *    payment history and transaction or loss history
When you are no longer our member, we continue to share your information as described
in this notice.

HOW? All financial companies need to share members' personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
member's personal information, the reasons CT Labor Dept. FCU chooses to share and whether you can limit this sharing.

Reasons we can share your personal information	Does CT Labor Dept. FCU share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), to respond to court orders and legal investigations, or to report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you.	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes - information about your transactions and experiences.	No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions? Call 860-263-6500

What we do

How does CT Labor Dept. FCU protect my information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does CT Labor Dept. FCU collect my personal information?

We collect your personal information, for example, when you

open an account or deposit money
apply for a loan or provide employment information
provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit sharing?

Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes - information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you

State law and individual companies may give you additional rights to sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. CT Labor Department has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include insurance companies, government agencies, plastic card processors (credit/debit/ATM), financial statement publishers or printers, mailhouse, consumer reporting agencies, data processors, and check/share draft printers.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our Jointmarketing partner includes Discount Power