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.