Exhibit A

What we do




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.


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 income
  • account balances and mortgage rates and payments
  • credit history and credit scores

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


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 chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Federal Bank 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

 No  No

For our marketing purposes— to offer our products and services to you



For joint marketing with other financial companies


We don’t share

For our affiliates’ everyday business purposes— information about your transactions and experiences


We don’t share

For our affiliates’ everyday business purposes— information about your creditworthiness


We don’t share

For our affiliates to market to you


We don’t share

For non-affiliates to market to you


We don’t share

Questions/Concerns? Call 386-754-0090 or 386-362-7990 or go to www.ffbf.com.

Who is providing this notice? First Federal Bank
What we do
How does First Federal Bank 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.
We do not collect identifying information about visitors to our site; we do use standard software (“Cookies”) to collect information for the strict purpose of tracking activity on our site.
How does First Federal Bank collect my personal information?

We collect your personal information, for example, when you

  • give us your income information or provide employment information
  • give us your contact information or apply for a loan
  • provide your mortgage information

We also collect your personal information from 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.


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

  • First Federal Bank is affiliated with Loan Closing Experts, A Title & Escrow Company.

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

  • First Federal Bank does not share with non-affiliates so they can market to you.

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

  • First Federal Bank does not have any joint marketing agreements between nonaffiliated financial companies.

For California Customers: In accordance with California law, we will not share information we collect about you with companies outside of CBC National Bank Mortgage at First Federal Bank, unless the law allows. For example, we may share information with your content, to service your accounts, or to provide rewards or benefits in which you are entitled. We will limit sharing among our companies to the extent required by California law.  For additional information regarding your rights, please refer to the Privacy Notice for California residents (www.ffbf.com/ccpa).

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