Privacy Policy

WHAT DOES FIRST FEDERAL SAVINGS BANK AND ITS WHOLLY
OWNED SUBSIDIARY FIRST FED INSURANCE AGENCY, INC. DO WITH YOUR PERSONAL INFORMATION?

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.

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 and Account Balances
• Payment history and Transaction or loss history
• Credit history and Retirement assets

When you are no longer our customer, we continue to share your information as described in this notice.

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 and
its wholly owned subsidiary First Fed Insurance Agency, Inc. chooses to share; and
whether you can 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 to 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 creditworthiness

No

We don't share

For non-affiliates to market to you

No

We don't share

Call toll-free 1-800-443-8780 or go to www.ffsbweb.com 

Who is providing this notice?

First Federal Savings Bank and its wholly owned subsidiary First Fed Insurance Agency, Inc.

How does First Federal Savings
Bank and its wholly owned
subsidiary First Fed Insurance
Agency, Inc. 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.

How does First Federal Savings
Bank and its wholly owned
subsidiary First Fed Insurance
Agency, Inc. collect my personal
information?

We collect your personal information, for example, when you

• Open an account or Apply for a loan
• Apply for insurance or Tell us about your investment or retirement portfolio
• Give us your contact information

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 only

• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.]

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• First Federal Savings Bank and its wholly owned subsidiary First
  Fed Insurance Agency, Inc. has no affiliates.

Nonaffiliates

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

• First Federal Savings Bank and its wholly owned subsidiary First
  Fed Insurance Agency, Inc. does not share with nonaffiliates so they
  can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• First Federal Savings Bank and its wholly owned subsidiary First
  Fed Insurance Agency, Inc. doesn't jointly market.