• All of our consumer customers who have a continuing relationship with us. A “consumer” is an individual (a person, not a corporation, partnership or trust, for example) who has a financial product or service with us for personal, family, or household purposes.

A continuing relationship is one that is ongoing. For example, we have a continuing relationship with an individual who has the following types of products with us:

- Deposit account
- Loan account
- Credit card
- All former customers.

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We will also tell you what information we share with other entities. We will explain what your rights are. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with them.

We first define some terms.

We, our and us means First Federal Savings Bank.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.

Ownership does not necessarily mean complete ownership, but means owning enough to have control.

Nonaffiliated third party means a company that is not an affiliate of ours.


THE INFORMATION THAT 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
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY,
AND INTEGRITY OF YOUR NONPUBLIC
PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.


NONPUBLIC PERSONAL INFORMATION AND AFFILIATES

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as

  - Name
  - Address
  - Telephone Numbers
  - Type of accounts
  - Appraisal Information

Federal law allows us to disclose the information listed above with our affiliates.

Types of Affiliates

We may disclose nonpublic personal information about you to the following types of affiliates:

• Financial service providers, such as
  
  - Insurance Agency

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

Our policy for disclosing nonpublic personal information about former customers is as follows:
Once our customer relationship is terminated, we will stop sharing nonpublic personal information about you, except as permitted by law.


AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Nonpublic personal information we receive from you on an application or other forms, such as
  
  - Name
  - Address
  - Telephone number
  - Social security number
  - Assets
  - Income
   
• Nonpublic personal information about your transactions with us, such as
  
  - Account balances
  - Account activity
  - Type of accounts
  - Credit card usage
  - Payment history
  - Deposit history
  - Parties to the transaction

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information under this section:

• Financial service providers, such as
  
  - Broker Dealer
  - Credit Card companies

Reasons For Disclosing

Here is why we may disclose nonpublic personal information about you to other financial institutions with whom we have joint marketing agreements:

• To provide our customers with information about additional products and services

Limitations on Disclosure For Credit Card Companies

Here are the limitations we impose on the use of nonpublic personal information disclosed to other financial institutions with whom we have joint marketing agreements:

• We only allow direct mail solicitations
• We do not allow telephone solicitations

FUTURE AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES


We reserve the right to disclose the following information to companies that may perform marketing services on our behalf in the future:

• Nonpublic personal information we receive from you on an application or other forms, such as
  
  - Name
  - Address
   
• Nonpublic personal information about your transactions with us, such as
  
  - Loan balances
  - Loan numbers

Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:

• Service providers that perform marketing services for us, such as
  
  - Credit Life Insurance companies

Reasons For Disclosing

Here is why we may disclose nonpublic personal information about you to companies that perform marketing services on our behalf:

• To provide our customers with information about additional products and services

Limitations on Disclosure

Here are the limitations we impose on the use of nonpublic personal information disclosed to companies that perform marketing services on our behalf:

• We only allow direct mail solicitations.
• We do not allow telephone solicitations.