At First Federal Bank, protecting your privacy and the confidentiality of your personal information is important to us. We value your business and the trust you put in us, and to offer you the financial products and services you seek, we collect, maintain and use information about you. To help you better understand how your personal information is protected at First Federal, we are providing you with the following statement describing our practices and policies with respect to the privacy of your customer information. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice.

We do not disclose any nonpublic personal information about our customers, or former customers, to anyone, except as permitted under law.

Information We Collect About You
As your trusted financial institution, we collect, retain and use nonpublic personal information about individual customers to provide products and services to our customers. We may collect nonpublic personal information about you from the following sources:

• Applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from consumer reporting agencies.

We Protect Your Information
The protection of your nonpublic personal information is of utmost importance to us. That is why First Federal Bank maintains strict procedures and policies to safeguard your privacy. We restrict employee access to customer information to only those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If you have any questions regarding our Personal Information Privacy Protection Disclosure, call us at (800) 219-6201 or visit our Internet site at http://www.1stfedbank.com.