At First Federal we value you as our customer, and we would like you to know that the confidentiality of your personal information is a priority for us.

To help you understand how the security and integrity of your personal financial information is protected, we are providing you with this notice which describes our practices and policies as they concern the privacy of consumer and customer nonpublic information.

We will continue to adhere to the policies and practices outlined in this notice even if you terminate your customer relationship with us or become an inactive customer.

INFORMATION WE DO COLLECT

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, accounts with others, assets, and income
• Information about your transactions or experience with us, our affiliates, or others
• Information from a consumer reporting agency regarding your credit history or employment status
• Information gathered from our Web site, such as online forms, site visit data, and information collection devices (“cookies”).

HOW WE MAY USE THE INFORMATION WE COLLECT

We may disclose the information we collect to nonaffiliated third parties that are acting on our behalf, including:

• Companies that provide service for our customer accounts
• Companies that help us market First Federal’s own products and services to you.

We may also disclose the information we collect about you as permitted by law, including:

• In response to a subpoena
• In response to an inquiry from a government agency
• To comply with legal requirements.

We will not share or sell your personal information to outside parties that may wish to market their products or services to you.

HOW WE PROTECT YOUR INFORMATION

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard consumer and customer nonpublic personal information. We have established and maintain procedures and policies that restrict access to nonpublic personal information about you to only those employees who have a need to know that information in order to provide products or services to you.

The policies and practices described in this disclosure are subject to change; however, we will communicate any significant changes to you as required by law. The policies and practices provided in this notice replace all previous notices regarding this subject.

If you visit our site to read or download information on our web pages such as press releases, checking, and savings account information:

We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider "ISP"); date and time you access our Website; pages you may have visited on our site; and the Internet address of the Website from where you came to visit our Website.

We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.

If you visit our Website to use interactive banking tools such as financial calculators and self-tests:

You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.

If you identify yourself by sending an e-mail or filling out forms, such as applications, check reorder forms, contact forms and guest registers:

You may be asked for personally-identifying information in order to process your e-mail, form, or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format, such as a brochure application, reorder slip to order checks, or a letter.

We Want To Be Very Clear

We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.

We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.

Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect, please contact us. We will investigate the situation and, if appropriate, update our records.

If you have any questions that are not answered in this section, please contact us.