NOTICE OF PRIVACY PRACTICES Important information about the personal data your credit union collects and how it is used to enable us to provide products or services to you. LABOR MANAGEMENT FEDERAL CREDIT UNION collects non-public information about you from the following sources: Information we receive from you on applications or other forms; Information about your transactions with us or others; Information we receive from a consumer reporting agency; and Information we receive when verifying information you have provided us. We may disclose all of the information we collect about our members and former members as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may also disclose non-public personal information about our members and former members to nonaffiliated third parties as permitted by law. LABOR MANAGEMENT FEDERAL CREDIT UNION restricts access to your personal and account information to those employees, directors and supervisory committee members who need to know that information to provide products or services to you or perform their duties under federal or state regulations. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.