| FACTS | WHAT DOES FIRST FEDERAL 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 product or service you have with us. This information can include: • Social Security number • Account balances • Payment history • Purchase history • Risk tolerance • Checking account information |
| How? | All financial companies need to share customers' personal information to run their every day business.In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First Federal Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does First Federal 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 | Yes | No |
| 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 our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don't share |
| To limit our sharing |
• Call Toll-free 877-367-8178 or visit one of our branches. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? | Call toll-free 877-367-8178 or go to www.first-fed.com |
| Who We Are | |
| Who is providing this notice? | First Federal Bank means First Federal Bank of the Midwest. |
| What We Do | |
| How does First Federal Bank protect my personal information? | To protect your personal information from unauthorized access and use, we usesecurity measures that comply with federal law. These measures include computersafeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protectthis information and we limit access to information to those employees for whomaccess is appropriate. |
| How does First Federal Bank collect my personal information? |
We collect your personal information, for example, when you • Open an account • Apply for a loan • Seek advice about your investments • Give us your contact information • Provide your mortgage 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 laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| 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 Insurance & Investments. |
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies. • First Federal Bank 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. • Our joint marketing partners include insurance companies. |
| Other Important Information |
|
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with nonaffiliates 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 nonaffiliates 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 either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization. |
