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Privacy Policy

FACTS   WHAT DOES FIRST FEDERAL BANK OF OHIO 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, name, and address
       Types of accounts and account balances
       Account activity, deposit history, and payment history
 
     Credit history, credit scores, and income
     
  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 Bank of Ohio chooses to share; and whether you can limit this sharing.
 
 
 

 
  Reasons we can share your personal information Does First Federal Bank of Ohio share? Can you limit this sharing?
  For our everyday business purposes--

YES

NO

  such as to process your transactions, maintain your
  account(s), respond to court orders and legal
  investigations, or report to credit bureaus
  For our marketing purposes--

YES

NO

  to offer our products and services to you
  For joint marketing with other financial companies

NO

NO

 
  For our affiliates' everyday business purposes--

YES

NO

  information about your transactions and experiences
  For our affiliates' everyday business purposes--

YES

YES

  information about your creditworthiness
  For our affiliates to market to you

YES

YES

 
  For our nonaffiliates to market to you

NO

We don't share

 
                   
  Questions?   Call (419) 468-1518 or go to www.firstfederalbankofohio.com
 

  Who we are            
  Who is providing this notice?   First Federal Bank of Ohio
                   
  What we do            
  How does First Federal Bank of Ohio   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.
  protect my personal information?  
         
         
          We restrict access to information about you to those employees who need to know that information to provide products or services to you.
  How does First Federal Bank of Ohio   We collect your personal information, for example, when you
  collect my personal information?  
     open an account or deposit money
         
     pay your bills or apply for a loan
         
     apply for and use your credit or debit/ATM card
          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            
  Affiliates         Companies related by common ownership or control.  They can be financial and nonfinancial companies.

         
                 First Federal Bank of Ohio may disclose 
       information about you to financial service
       providers, such as
securities broker-dealers
       & insurance agents.

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

         
         

       First Federal Bank of Ohio does not share 
       information with nonaffiliates other than as 
       described above.

              
  Joint marketing         A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

         
                 First Federal Bank of Ohio does not participate
       in joint marketing.
           
                   
Other important information            
  We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

 
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