Privacy, Security & Terms of Use :: First Federal, Member FDIC: Online Banking

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Privacy Notice

Rev. 10/2010

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 employment information

transaction history and overdraft history

credit history and payment history

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 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

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

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 you

No

We don’t share

Questions?

Call 503-472-6171 or 1-888-317-8333 or go to www.FirstFedWeb.com

Page 2

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 law and individual companies may give you additional rights to limit sharing.

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 nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffialiated financial companies that together market financial products or services to you.

First Federal doesn’t jointly market.

If, at any time, you have a question or concern about privacy issues, please contact us .

Terms of Use

Every effort has been made by First Federal to give accurate and reliable information on First Federal's web site. Please be aware that due to the possibility of human and mechanical error, as well as other factors, First Federal is not responsible for any errors or omissions. By using the site, you agree that all access and use of the site and its contents are at your own risk.

Security

At First Federal, protecting your privacy and security is a priority! The following resources offer information and recommendations that will help you reduce your chances of becoming a fraud victim.

Online Banking Security	www.onguardonline.org
ID Theft Prevention	www.FTC.gov
Scams	www.fraud.org

For more information on:

Fake check scams
Stopping Identity Theft

Sign Up Today | More Info

Resources

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 employment information transaction history and overdraft history credit history and payment history 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.

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 law and individual companies may give you additional rights to limit sharing.

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 nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffialiated financial companies that together market financial products or services to you. First Federal doesn’t jointly market.

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	No	We don’t share
For joint marketing with other financial companies	No	We don’t share
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 you	No	We don’t share