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First Federal Savings and Loan

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Privacy Notice

01/2015

An introduction to this privacy policy
Facts What does First Federal 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 and Transaction history
  • Overdraft history and Credit history
  • Payment history and Employment information

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

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 chooses to share, and whether you can limit this sharing.
Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information Does First Federal 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 		No We don’t share
For our affiliates’ everyday business purposes—
information about your creditworthiness 		No We don’t share
For nonaffiliates to market to you No We don’t share
What to do if you have questions
Questions?

Call toll-free 1-888-317-8333 or go to www.FirstFedWeb.com
What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does First Federal 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.

First Federal maintains physical, electronic, and procedural safeguards to protect your nonpublic personal information.
How does First Federal collect my personal information?

We collect your personal information, for example, when you:

  • open an account or show your government-issued ID
  • pay your bills or use your credit or debit card
  • apply for a loan

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.
Definitions of terms in this privacy policy
Definitions
Affiliates

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

First Federal has no affiliates.
Nonaffiliates

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

First Federal does not share with our 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 partner(s) include a credit card company that issues First Federal branded credit cards.
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