Privacy Statement

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At First Federal Savings Bank, we are committed to protecting your personal information. That is why we work diligently to safeguard your privacy. While information is critical to providing quality service, we recognize that your trust is the foundation of our business.

The following privacy statement explains how we use and protect the information about our customers. We ask that you read it carefully.

Information That We May Collect
The type of information that we may collect depends upon the type of product or service we are providing to you or that you are inquiring about. We collect nonpublic personal information about you from the following sources:

• Information you give us on applications and other forms
• Information about your transactions with us, our affiliates or others
• Information from third parties such as consumer reporting agencies, title companies or real estate appraisers
• Medical information we receive from you, if you request credit insurance

Confidentiality, Security, and Integrity of Your Information
We restrict the access to information about you to those employees who need to know that information to provide products or services to you. First Federal maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information and account information from possible threats and hazards, and unauthorized access.

Your Information and Our Affiliates
We are permitted under law to share information about our experience or transaction with you or your account (such as name, account balances, account activity, types of accounts) with our affiliates. We may disclose information about you to our affiliates to provide you with information about additional products and services.

Your Information and Other Parties
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Authorized Sharing or Joint Marketing
Federal law allows us to disclose information to companies that perform marketing services on our behalf or to other financial institutions with which we may have joint marketing agreements. The companies we choose must satisfy our security and privacy requirements.

We share your information with these companies only if they agree to treat it confidentially. We provide the minimum amount of information necessary for them to provide their services. Information disclosed may include:

• Information we receive from you on applications or other forms, such as name and address;
• Information about transactions with us, our affiliates or others, such as your payment history; and
• Information we receive from consumer reporting agencies, such as your credit worthiness or payment history.

How You Can Inquire About the Privacy of Your Information
You may contact us at 1-877-488-8400 if you have questions or comments regarding the privacy of your information.

U.S. Patriot Act Notice

To help the government fight the funding of terrorism and money laundering activities federal law requires all financial institutions to obtain, verify and record information that identifies each person or business that opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you or your business. We may also ask to see your driver’s license or other identifying documents.