OUR PRIVACY PLEDGE TO YOU
As our customer you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal and financial information. While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.

We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines. It is our pledge to you.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our and us, when used in this notice, mean Central Federal Savings & Loan Association.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
    
  • Safe deposit box
    

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party".

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
  
• Information about your transactions with us
  
• Information about your transactions with other parties
  
• Information from a consumer reporting agency
  
• Information we receive as a result of verifying customer information.

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY,
AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

PRIVST-BK 4/28/2006

• Information we receive from you on applications or other forms;
  
• Information about your transactions with us, our affiliates, or others; and,
  
• Information we receive from a consumer reporting agency.

INFORMATION WE DISCLOSE

We do not disclose any nonpublic personal information about customers and former customers to nonaffiliated third parties except as permitted by law.

OUR SECURITY MEASURES

We restrict access to nonpublic information about you to those employees who need to know that information to provide you with products or services. We maintain physical, electronic and procedural safeguards that comply with Federal and State regulations to guard your nonpublic information.

Protecting your personal information and your accounts.

Identity Theft

• Identity theft includes establishing an account using another person's identity or accessing an existing account without authority of the account holder.
• Don't include your Social Security Number or driver's license number on sensitive documents.
• Don't respond to unsolicited requests for personal or account information.
• Don't leave mail lying around.
• Drop your mail in an official postal mailbox.
• Shred or destroy any junk mail before you throw it away.
• Use a safe deposit box to protect important documents.
• Review your credit report at least once a year.

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Online Fraud

Phishing
Phishing is the use of fraudulent emails or pop-up Web pages that appear legitimate but are designed to deceive you into sharing personal or account information.

Pharming
Pharming occurs when you type in a Web address and it redirects you to a fraudulent Web site, which looks similar to a legitimate site, in hopes of capturing your confidential information.

By using actual logos and images from legitimate companies, Scammers can make fraudulent e-mails or Web sites appear real. They often state that if you fail to provide personal or account information, your accounts will be suspended.

What you can do.

• Update your anti-virus and anti-spam software. Up to date anti-virus and anti-spam software makes it more difficult for scammers to access your personal information.
• Notify us of any suspicious e-mails regarding your accounts with us.
• Change your online passwords often. Don't use sensitive information or obvious passwords like birthdays or your zip code. Include symbols and/or upper and lower case letters (for example, ?qRp&Gh).
• Use your spam filter. Many e-mail services now have spam filters that minimize the amount of spam you receive and the number of fraudulent e-mails.
• If you do open a suspicious email, don't click on any links. By clicking on the links, you could download a virus or spyware onto your computer.
• Delete e-mails from unknown senders that has nonsense in the subject line.

More information
More information on identity theft and safeguarding your computers and personal information is available at the FDIC's Web site, www.FDIC.gov.

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