Holiday Closing: All First Federal Savings Bank branches will be closed May 29 in observance of Memorial Day and will reopen May 30 for regular business hours. ATMs and mobile banking will be available 24/7.

Privacy Notice

Notice of Your Financial Privacy Rights Rev. October 2014


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 produce or services you have with us. This information can include:

  • Social Security number
  • Income
  • Account balances
  • Payment history
  • Credit history
  • Overdraft history

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; the reasons First Federal Savings Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information.

Does First Federal Savings Bank share?

Can you limit this sharing?

For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations or report to credit bureaus.

Yes

No

For our marketing purposes - to offer our products and services to you.

Yes

No

For joint marketing with other financial companies

No

We don't share.

For our affiliates' everyday business purposes - information about your transactions and experiences.

Yes

No

For our affiliates' everyday business purposes - information about your credit worthiness

No

We don't share.

For non-affiliates to market to you.

No

We don't share.


What We Do

How does First Federal Savings Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information, and we limit access to information to those employees for whom access is appropriate.

How does First Federal Savings Bank collect my personal information?

We collect your personal information, for example, when you:

  • Open an account.
  • Pay your bills.
  • Apply for a loan.
  • Use your credit or debit card.
  • Show your driver's license.

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit:

  • Sharing for affiliates' everyday business purposes - information about your creditworthiness.
  • Affiliates from using your information to market to you.
  • Sharing for non-affiliates 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.

Our affiliates include financial companies such as First Federal Wealth.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

First Federal Savings Bank does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

First Federal Savings Bank doesn't jointly market.


Other Important Information

For Alaska, Illinois, Maryland and North Dakota customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For California customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont customers - We will not share personal information with nonaffiliates for them to market to you without your authorization and will not share personal information with affiliates or for joint marketing about your credit worthiness - without your authorization.

Privacy Model Disclosure
VMP® Bankers Systems™
Wolters Kluwer Financial Services © 2010

PRIV-MODEL 8/1/2010

2012.1/2575 4231197-010


FFD Office 32 of 70

Have Questions?

Give us a call at 260-356-3311 and one of our team members will answer any questions you have.