As of March 15, 2001

As technology advances the need to protect personal privacy is becoming more and more important to everyone. LM Federal recognizes that as a member, you have expectations about how information we collect and retain about you and your relationship with us will be used. We appreciate the confidence you have shown in us by choosing LM Federal as your financial service provider.

Information We Collect:
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us and our affiliates
• Information we receive from a consumer reporting agency

Accuracy
LM Federal strives to maintain accurate and complete information about you and your accounts. If you ever feel that an account statement is incomplete or inaccurate, please notify us according to the method described on your account statement. We will investigate your concerns and promptly correct any inaccuracies.

Security
Keeping your financial information secure is our most important responsibility. Employees of LM Federal are authorized to use member data for authorized business purposes only. LM Federal maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. For security reasons, personal identification numbers (PIN) used to access Touch Tone Teller, ATM or Visa Check Cards, online and other services are not accessible to LM Federal employees.

Sharing
We do not disclose or sell any nonpublic personal information about our members and former members to anyone, except as permitted by law. Disclosing member information to any outside party, except vendors that provide member services such as credit bureau reporting, checking account verification, data processing, online services, audio response or account statement generation, is strictly prohibited. LM Federal is highly selective when choosing business partners that provide our members' service. You should be aware that there may be occasions when we are legally required to disclose information about you to other parties, such as subpoenas, fraud prevention, or federal regulatory compliance.