L.E.O. Credit Union is owned by its members and run by a board of directors elected by its membership. The privacy of your financial information is very important to us. The Credit Union has established this Disclosure statement to provide notice and proper disclosure to members and nonmember consumers in compliance with federal law and regulation and to educate its members and consumers as to their privacy rights under law. This Disclosure outlines how the Credit Union collects, uses, and safeguards your non-public personal information.

The Credit Union may collect non-public personal information about you from the following sources:

	Information we receive from you on applications or other forms including electronic forms;
	Information about your transactions with us, our affiliates, or others
	Information that we receive from a consumer reporting agency; and
	Information obtained when verifying the information you provide on an application or other form, such as from your current or past employers or other financial institutions where you conduct financial transactions.

In order to serve you, the Credit Union may have to share information about you to complete your transactions and to provide you with certain financial products, services and opportunities. However, the Credit Union does not disclose any non-public personal information about our members and former members to anyone except as permitted by law. The Credit Union may also disclose information to companies that perform marketing services on our behalf or to other companies or financial institutions with which we have joint marketing agreements.

The Credit Union restricts access to your personal and account information to those employees who need to know that information to provide products, services or opportunities to you. The Credit Union maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.