NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is First Federal Savings Bank’s privacy notice for its customers. When we use the words “you” and “your” we mean the following types of customers: All of our consumer customers who have a continuing relationship with us, such as: Deposit account Loan account Self-directed individual Retirement Account where we act as custodian or trustee We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms: We, our, and us means First Federal Savings Bank. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available for public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. THE INFORMATION THAT WE COLLECT We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms Information about your transactions with us Information about your transactions with nonaffiliated third parties Information from a consumer reporting agency We do not discuss any nonpublic personal information about you to anyone, except as authorized by law. THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION We restrict access to nonpublic personal information about you to employees who need to know that information to provide products, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. NON PUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES Since, we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law. NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS We do not disclose nonpublic personal information about former customers.