Privacy

The information we collect is used to:

• Improve the content of our websites for your future visits.
• Customize the content and/or layout of our pages for each individual consumer.
• Notify you about updates to our website (if you have asked to be notified of updates or new releases).
• Notify you about new products.

We also collect the e-mail addresses of those who communicate with us via e-mail in order to reply to their correspondence, to service accounts and for marketing purposes.

Cookies

A cookie is a way for websites to recognize whether or not you have visited the site before. A cookie is a piece of data given to a browser by a web server and handed back to the browser on subsequent visits. We use cookies at log-in registration and elsewhere when you enter customized information such as your zip code. Recording a cookie at such points makes your online experience easier and more personalized. It also allows us to recognize you as a customer and automate your online experience.

How do we use cookies?

We will collect information about you whenever you interact with us online either by receiving and storing information you provide or through the use of identifiers called "cookies". We use cookies to enable our computers to recognize you and facilitate your use of the website.

Can I set my computer to reject cookies?

Yes. Each of the major browsers provide the means to alert you when a cookie will be placed and give you the opportunity to accept all, some or none of them. We do not recommend disabling cookies on our website because you may not be able to login or use basic features on our website. For more information see the 'Help' information for the browser you are using.

What happens if you delete your cookies and you can't login to the site anymore?

Many popular sites, like this one, use cookies to help you login to the site. If you lose a cookie file or turn them off, the site may not be able to recognize you or recall your settings. If this happens, just turn your cookies back on and try logging back into the site. If that doesn't work, contact the customer care center.

What happens when you reject cookies?

Once a cookie is rejected, it is discarded and not saved to memory or disk.

Online Security

We use several layers of technology to ensure the confidentiality of your transactions.

• Browser Encryption
• Username and Password
• Network Security and Monitoring

Browser Encryption

We require the use of a 128-bit secure browser to login to your account and perform transactions. Secure browsers employ secure sockets layer (SSL) technology to communicate with servers. This technology encrypts-or scrambles-the communication (i.e. Your account information) so it's virtually impossible for anyone other than First Federal Savings Bank to read it.

What is SSL?

• SSL is a protocol designed by Netscape Communications Corporation to provide secure communications on the Internet. SSL does three things:
• SSL authenticates that the server you have connected to is the one it purports to be. You can be assured that you are actually communicating with the bank, and not a third party trying to intercept the transaction.
• SSL creates a secure communication channel by encrypting all communication between the user and the server.
• SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count or checksum provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With, SSL even this checksum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

How can I tell when my connection is secure?

The padlock or key icon on your browser, indicating a secure connection, should appear locked or connected AFTER you have successfully logged in to the website. The padlock icon may not appear locked on screens where you are not logged on and where we display general information about the site. However, you can be certain that any screen which displays or requests information about your account username, password, application, or any other sensitive information is encrypted.

Username and Password

To access account information, you must provide a username and a password to enter the secure area of the site. Your password is not displayed when entered. If you do not provide this information, we cannot establish an online banking service for you.

How I can protect myself?

Don't share your password. Never reveal your password to anyone. Never write down where anyone can find it or figure out what it is. Change your password often, and be sure that you do not use common words that can be found in a dictionary, or numbers in a series. Try using birthdays combined with pet names, or sports teams combined with a birthday for example. Never access the banking site from a computer that an untrusted individual may have access to.

Treat your online username and password with more care than you use for your automated teller machine (ATM) or credit card personal identification number (PIN). With the PIN, you need to present the card. Here you only have the password. In addition, you should make sure that no one is physically watching as you enter your password. Also, take standard precautions to keep your computer free from viruses.

Log out. Please use our "Log Out" feature if you are going to be away from your computer for an extended period of time. Logout will end your session, and you will have to submit your username and password before entering the website again. We strongly recommend shutting down your browser as a good way to prevent others from using your access.

After a period of inactivity your current session on the website will automatically timeout. To restart your session, re-enter your username and password at the log in screen.

Network Security and Monitoring

Firewalls are used to shield our systems and proprietary networks from any unauthorized Internet traffic. The purpose of a firewall is to ensure only authorized traffic is allowed to pass to our systems and networks-all other traffic from the Internet is rejected. Firewalls also create logs of network traffic that allow for centralized auditing and security monitoring. Once your information has been entered, we use an encrypted network to transport data between all our systems and our partner systems to make online banking secure and to protect your personal information. Ensuring the security of your financial transactions is an ongoing process at First Federal Savings Bank. As such, we employ around the clock security monitoring of our systems and networks.

E-mail

Inquiries sent from our normal website are not secure. Do not send personal or account information via email. Inquiries sent within our Internet Banking website pages use secure socket layer ("SSL"). Since our e-mail response back to you is not secure, we will not include confidential account information in the response. You may also contact us by phone or U.S. mail.

Security Definitions

Encryption:

A method of scrambling information while it moves from one source to another to prevent others from reading it.

Secure Browser:

An Internet browser that has SSL encryption version 3.0 or higher to conduct secure financial transactions over the Internet.

Secure Socket Layer (SSL):

A form of encryption that protects information being transmitted over the Internet to prevent tampering while it's in transit.

Firewall:

Firewalls are used to shield our network from the Internet.

Cookies:

A "cookie" is a small text file placed on your hard drive by our web page server. Cookies are commonly used on websites and do not harm your system.