We are committed to securing your Personal

Information….

We are committed to protecting your personal information and privacy.

Every financial institution collects, retains, and uses information about its customers in order to conduct its business, advise customers of its products and services and provide customer service. At Second Federal Savings, we value the trust that our customers have placed in us and regard the protection of their personal information and privacy as one of our highest priorities. This information is designed to help you understand our privacy policy and practices and to demonstrate how committed we are to protecting your information.

What customer information does Second Federal Savings collect?
We collect non-public, personal information from a variety of sources, including:

• Information we receive from you on applications or other completed forms, such as your name, address, Social Security number, and financial information;
• Information we receive from you to complete a transaction you authorized, such as your fax number;
• Information we receive through your transactions and experiences with us, such as your account balance, account usage, and loan history;
• Information we receive from third-party companies, including consumer reporting bureaus and specialized marketing information firms, such as credit and employment history.

In all cases, we make every effort to ask for and collect only the information that is necessary to provide the services we offer.

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How is this information protected by Second Federal Savings?
We protect this information by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. We limit access to your nonpublic personal information to those employees who need to know that information to provide products or services to help you meet your financial needs. We also train our employees in the proper handling of personal information.

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How is this information used by Second Federal Savings?
We use the information collected to establish and build our customer relationships. This information helps us evaluate eligibility for loans or other services, identify other beneficial products or services, and, in some cases, prevent fraudulent use of your accounts. In addition, certain information is used to verify your identity as required by the USA Patriot Act.

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With whom does Second Federal Savings share this information?
We may disclose your personal information to non-affiliated third-party companies that are acting on our behalf. These third parties may include service providers that help us service existing accounts, such as check-printing companies, data processing companies, reward program companies, or companies that enable us to provide online banking services. They also may include third-party service providers that work with us under joint marketing agreements to provide a broader selection of financial products and services that we do not offer ourselves, but may be of interest or value to you.

On occasion, we may also share your personal information with other parties to prevent fraud or as permitted or required by law, such as government agencies in response to subpoenas and other legal processes, consumer reporting agencies, or those with whom you have authorized us to share information.

What information does Second Federal Savings share with non-affiliated third-party companies?
We make every effort to share only that information which is necessary for the service provider to perform its duties. The information we provide to our joint marketing partners is limited to customer contact information such as names, addresses, and telephone numbers. We do not share account numbers with non-affiliated third parties for marketing purposes of any kind, including telemarketing, direct mail marketing, or electronic mail marketing.

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Are these non-affiliated third-party companies obligated to protect your personal information and privacy?
When we engage any non-affiliated third-party service provider to act on our behalf, these companies are legally obligated to comply with strict standards regarding security and confidentiality and are restricted from using the information for any purpose other than the service we have requested them to perform.

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Does Second Federal Savings sell your personal information?
We do NOT sell or provide your personal information to outside companies for the purposes of marketing non-financial products.

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How accurate is your information?
We strive to keep your customer and financial information accurate. If you become aware of any records that are incorrect or if your personal information changes, please notify us as soon as possible so we can make the necessary changes.

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What can I do to protect my identity?
If you suspect that someone has had unauthorized access to your account with us or access to your personal identification information such as your Social Security number, please notify us immediately so we can take action to protect you. Call us at 773.277.8500. In addition, you should also report the incident to your local law enforcement agency and to the Federal Trade Commission (FTC). To speak with a trained FTC telephone counselor, call toll-free 1-877-IDTHEFT (1-877-438-4338). More information about preventing and reporting identity theft can be found on the FTC’s website at http://www.ftc.gov/idtheft.

Your business is important to us, and we are committed to providing you with quality customer service. If you have any questions, please contact the Branch Manager at any Second Federal Savings office. We are also dedicated to the protection of personal information on our website.

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