We value our banking relationship with you. Our goal is to serve you as effectively and conveniently as possible, and to make sure that you feel confident that information about your banking relationships with us is treated with the utmost care.

Trust, privacy and confidentiality are the watchwords of our banking philosophy and are foundation blocks of our success. We know that you expect us to meet the highest standards of performance, and we work diligently to meet your expectations.

To help you better understand how your personal information is protected at First Federal Bank, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. At First Federal:

- We do not disclose information about our current or former customers with others, except to conduct our business, comply with applicable law, and protect against fraud.

- We may collect information volunteered by you during the application process, gathered from your transactions and experiences with us, and obtained from other authorized sources, such as credit bureaus. All information collected and stored by First Federal Bank is used for specific business purposes, such as administering your account, complying with state/federal banking regulations, protecting against fraud, and developing a better understanding of your financial needs to provide you with improved products and services.

- We restrict the access to your non-public personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.