Your choice to do business with the Family  Advantage Federal Credit Union is an important decision. We take our obligation to keep information about you and your accounts secure and confidential very seriously. Your privacy is our top priority. This notice describes how we protect the privacy of your personal information. Throughout this notice, the word “information” refers to personal information about you that may not be publicly available.

As a member of our credit union, you also have a responsibility to safeguard your financial
information.

Information We Collect & Disclose to Others
We collect nonpublic information about you from some or all of the following sources:
• Applications and other forms you submit to our affiliates or us.
• Information about your transactions with us or others.
• Information about your transactions with government agencies.
• Information we receive from consumer reporting agencies.

We may disclose all the information that we collect, as described above.

Parties to Whom We Disclose the Information

We may disclose information about you to the following types of third parties:
• Financial service providers, such as those that provide mortgage services and insurance
companies.
• Non-financial companies, such as consumer reporting agencies or statement rendering.
• Our affiliates such as CUNA Mutual Insurance or Life Flight as permitted by law.
We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. To protect our member’s 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 member information. Furthermore, we DO NOT sell member mailing lists.

In order to conduct the business of the Credit Union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Family Advantage Federal Credit Union or become an inactive member, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your
information.

What You Can Do To Help

While we are committed to protecting your privacy, you can also help by following these
simple guidelines:
• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit/ATM card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you representing himself as a credit union employee and asks for your account number, beware. Credit Union employees will have access to your information and will not need to ask for it if we initiated the call.
• It is important that we have current information on how to reach you. If we detect fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know immediately.
• Please call us if you have questions concerning activity on your account(s). Family Advantage Federal Credit Union—Phone Number (931) 486-3125.

Join the Drawing for a $100 Gas Gift Card

Bring in a friend to join our FAMILY and when they open:

**Savings account: You get 3 entries They get 3 entries
**Checking account: You get 4 entries They get 4 entries
**Sign up for E-statements: You get 4 entries They get 4 entries
**Set up Direct Deposit: You get 4 entries They get 4 entries
**New Auto Loan: You get 15 entries They get 15 entries ** Plus GREAT Rate**
**Refinance a Loan from Another Financial Institution: You get 15 entries They get 15 entries **Plus GREAT Rate**

Drawing April 15, 2010

Our new bill pay program will make your financial life  so much easier!

Expedite a Payment: If you need to get a payment out fast, you can expedite a payment by UPS for next day or 2nd business day delivery. (Note: a fee applies to this service).

Pay Anyone with Person to Person Pay

Send a Gift Check: You can select an image for the decorative check and card that you wish to send to your gift recipient. There are a variety of images specially designed for any occasion you choose.

Send a Donation: You can send a donation, using a decorative check, to your favorite charity. You can also personalize the notification and acknowledgments for your donation.

Added Security Features

Secure Message Center

Payee and Payment Alerts: If your payees or payments require your attention, an alert will appear at the top of your home page. Just click on the alert and you will be taken directly to the item that needs action.

Multiple Search Features: You can search by payee category, pay to, or process date range.

Special Option Tab where you can personalize your bill pay experience a number of ways. For example, you can add and view pay from accounts, manage your reminders and e-notifications, or update your contact information.

View A Demo of the New Bill Pay System here!

To sign up for Online Bill Pay, you must first sign up for a home banking account. Contact us to find out how!

Got a problem with debt? You can get out from under high interest and principal payments by using the following techniques suggested by Debtors Anonymous.

Admit your spend too much. Just for today- one day- do not incur any new debt. Then do it again tomorrow and the next day.

• Draw up a spending plan and keep track of exactly what you spend.
• Quit carrying credit cards.
• Make a list of every penny of debt you owe and draw up a plan for repying it.
• Remember it’s best to be a “slow Pay” than a “no pay”.
• Don’t go bankrupt. Life after bankruptcy isn’t as easy as advertised.

Taken a close look at your credit card statement lately?
Notice Anything?
Increasing Rates – Even when you pay on time – Every time?

Fight the Fine Print!
with a FamilyConnect Visa from Family Advantage

FamilyConnect VISA

No Annual Fee
Rates as low as 9.9% Fixed APR
25 Day Grace Period for Repayment
Visa Rewards Points
No balance transfer fee

Effective September 1, 2009. As a greener approach to saving our natural resources, the Credit Union will no longer mail insufficient funds and overdraft notices. This information is readily available and contained conveniently on your statement, online or by calling the touch tone teller. You may also set up a low balance alert from your online home banking access to advise you when your account reaches a specific balance threshold. Sign up for home-banking by going to our website www.myfafcu.org or checking your account information via our touch tone teller at 1-800-201-3694. You may also contact one of our member service representatives for personal assistance.

Click here to sign up for E-Satements and E-Notices.

Summer 2009 – Highlights from this issue…

• Bankruptcy Is Not The Only Way Out!!!
• Real Estate Professional Services (REPS) Program
• Teach your Credit Card Balance to Rollover
• Are You About To Retire?
• Click to read the newsletter…

Past Issues

• Winter 2009
• Special Edition
• Fall 2008
• Summer 2008
• Spring 2008

There’s never been a better time for credit union members to Invest in America. That’s why credit unions have teamed up with U.S. automakers to offer members great discounts on new American-made vehicles.

All eligible current and new credit union members in participating states have the unique opportunity to get a great discount on a new vehicle from either GM or Chrysler. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal.

The deal gets even better when you finance your vehicle at with us. Thanks to our lower interest rates, your savings will really add up.

Click on the banners to learn more!