Any member opening a share draft account for the first time, or any member applying for a loan, will have their credit history checked at the credit bureau. A written report will be obtained and kept in the member's file. Members having a loan will have their credit information sent to the credit bureau monthly. Sent information includes: name, address, social security number, beginning balance and current balance, payment amount, payment history and last payment date.

As of the last day of each calendar quarter, the name, address, social security number and account number of every member is reported to the State of Tennessee in compliance with federal law. This information is matched with state and federal rosters that contain the names and social security numbers of persons failing in their obligation to pay child support. The purpose of this reporting is to allow state and federal authorities to locate assets of those persons in an effort to collect past due support.

Each month, all names of members, joint owners and co-makers on any account at this Credit Union are submitted to our data processing server, CUSA, Inc. of Salt Lake City, UT. CUSA matches our names to that of the Office of Foreign Assets Control (OFAC) list of Specially Designated Nationals (SDN). Credit Union names are not sent to any other entity. However, any matches are brought to the attention of Credit Union personnel to determine if there is a true-positive match. A true-positive match can result in having the Credit Union account frozen, and all information concerning the name(s) and account(s) reported to OFAC.

In between monthly data base matches, the Credit Union will verify all new names to the current SDN list via the Internet.

The Credit Union complies with any court ordered request to furnish information, including but not limited to: name, address, account type and account balance. In the case of garnishment, actual available funds may be withdrawn by the Credit Union and sent to such authority.

Members who have a Visa Check Card will have their card number, primary share account and share draft account numbers and balances securely transmitted to our processor at least three times daily. This information makes the card operational and is NOT sent to any other organization. Name, address and account number information is securely transmitted to our card manufacturer for plastic card production purposes.

Members who have requested access to their accounts via the Internet will have all of their account information securely transmitted to our Internet processor at least three times daily. This information is the same as that viewed by the member via the Internet. The information is secured and is NOT sent to any other organization.

Members having a share draft account will have certain information for the printing of share drafts (checks) securely transmitted to our share draft printer. Name and account number are required, but members may request to have address, phone numbers, drivers license numbers and social security numbers printed as well. The Credit Union is not responsible for information placed on the share draft that may be obtained by others for fraudulent purposes. The Credit Union will provide share draft amount verification to anyone requesting said information, but the Credit Union assumes no responsibility to ascertain the validity of the caller.

Members having a Credit Union credit card will have name, address and card number information securely transmitted to our credit card processor for card and statement production. Account balance and transaction history is sent to the Credit Union daily.

Members wishing to have insurance coverage offered through the Credit Union will have securely transmitted to such companies their name, address, account balance(s), payment amount, and date-of-birth or age. Similar information for claims purposes will be sent electronically but may also include injury or death related facts.

All members' records are made available to authorized personnel serving in both the examination and audit review processes. Audit confirmations are generated and mailed as part of this annual procedure. Occasionally, members' information is documented in official examination and audit reports. Distribution of said reports is guarded and restricted to only duly authorized personnel.

Information for members' statements and tax reporting documents is securely transmitted to our data processing entities for computer processing. The data processing companies prepare printed documents, microfilm, microfiche, CD-ROM and/or electronic files for Credit Union distribution or archive storage.

Tax information for 1099's, 1098's and 5498's is submitted to our data processors which, in turn, transmit members' name, address, social security number and account number to appropriate tax authorities.