PRIVACY STATEMENT

Facts: What does First Federal Savings Bank do with your personal information?

Why:  Financial companies choose how they share your personal information.  Federal Law gives consumers the right to limit some but not all sharing.  Federal Law also requires us to tell you how we collect, share and protect your personal information.  Please read this notice carefully to understand what we do.

What:  The types of personal information we collect and share depend on the product or service you have with us.  This information can include Social Security Number, Income, Account Balances, Payment History, Credit History and Credit Scores.  When you are no longer our customer, we continue to share your information as described in this notice.

How:  All financial companies need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers’ personal information:

• For everyday business purposes such as processing your transactions, maintaining your account(s), responding to court orders and legal investigations, reporting to credit bureaus and marketing our products and services to you.  The customer can not limit the sharing of this information.

We do not share your information for:

• Joint marketing with other financial companies
• For our affiliates and non-affiliates to market to you
• For our affiliates’ everyday business purposes – information about your transactions and experiences and information about your creditworthiness

• First Federal Savings Bank will protect your personal information from unauthorized access and use.  We use security measures that include computer safeguards and secured files and buildings that comply with Federal Law.

• First Federal Savings Bank collects your personal information when you open an account, deposit money, pay your bills, apply for a loan or use your credit or debit cards. We also collect your personal information from others, such as credit bureaus, affiliates and other companies.

• While we cannot limit all sharing, Federal Law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes – Information about your creditworthiness
• Keep affiliates and non-affiliates from using your information to market to you
• State laws and individual companies may give you additional rights to limit sharing

Definitions:

Affiliates:  Companies related by common ownership or control.  They can be financial and non- financial companies.                             
Non-Affiliates: Companies not related by common ownership or control.  They can be financial and non-financial companies.
Joint Marketing:  A formal agreement between non-affiliated financial companies that together market financial products or services to you.