First Federal Savings Bank's Privacy Policy & Customer Identification Notice

First Federal Savings Bank is committed to providing the highest level of security and privacy regarding the collection and use of our online banking customer's personal information, as well as that of all visitors to our web site. A detailed description of First Federal Savings Bank's Privacy Policy is provided below.

We are required by law to give you this privacy notice. First Federal Savings Bank and all its affiliates, First Service Corporation, First Federal Title Services, LLC, First Heartland Title, LLC and First Federal Office Park, LLC follow these practices. If you have any questions after reading it, please contact us at (800) 314-2265.

Initial Disclosure Notification

(Customers with relationships established for personal, family, and household use)

First Federal Savings Bank collects nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms in connection with providing you a financial product or service;
• Information about your transactions with us, our affiliates/subsidiaries, or others;
• Information we receive from a consumer reporting agency;
• Information obtained when verifying the information you provided on an application or other form(s) (this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions);
• Information we may obtain from census data providers to develop competitive marketing programs for our customers; and
• Medical information we may obtain to process credit life insurance

The Bank does not disclose any nonpublic personal information about you to anyone, except as permitted by law, such as sending information to the Internal Revenue Service, responding to subpoenas and providing information to consumer reporting agencies, (i.e. credit bureaus), and sharing with a company that services your account.

If you decide to terminate your account or become an inactive customer with First Federal Savings Bank or its affiliates, the Bank will adhere to the privacy policies and practices as described in this notice.

We may disclose all the information we receive from you on applications or other forms, such as your name and address, to companies that perform marketing services on our behalf. We have arrangements in place with these companies that restrict them from forwarding your information to other parties.

The Bank restricts access to your nonpublic personal information to those employees who need to know that information to provide products and services to you. The Bank maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic information.

Fair Credit Reporting Act Disclosure

As affiliates, First Federal Savings Bank, First Service Corporation, First Federal Title Services, LLC, First Heartland Title, LLC,and First Federal Office Park, LLC, are permitted by law to share information about their transactions or experiences with you.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you; when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

What Customers Can Do to Help

First Federal Savings Bank and its affiliates/subsidiaries are committed to protecting the privacy of its customers. You can help by following these simple guidelines:

• Protect your account numbers, PINs (Personal Identification Numbers) and passwords. Never keep PINs with your debit or credit cards, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you and explains the call is on behalf of your bank and asks for your account number, you should be cautious. Official bank staff will already have access to your information and will not need to ask for it.
• Keep your information current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let First Federal Savings Bank know as soon as possible.

Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!