Information About the Privacy of Your Financial Information

FACTS	WHAT DOES FIRST FEDERAL SAVINGS BANK OF KENTUCKY AND CENTRAL KENTUCKY FEDERAL SAVINGS BANK 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 and Account balances - Checking account information and Credit history - Credit scores and Transaction history When you are no longer our member, 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 Savings Bank and Central Kentucky Federal Savings Bank choose to share; and whether you can limit this sharing.

FACTS

WHAT DOES FIRST FEDERAL SAVINGS BANK OF KENTUCKY AND CENTRAL KENTUCKY FEDERAL SAVINGS BANK 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 and Account balances
- Checking account information and Credit history
- Credit scores and Transaction history

When you are no longer our member, 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 Savings Bank and Central Kentucky Federal Savings Bank choose to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does First Federal or Central Kentucky Federal 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	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

In Frankfort, call 502 223-1638 or visit First Federal Savings Bank, 216 West Main St., Frankfort.

In Danville, call 859 236-4181 or visit Central Kentucky Federal, 340 West Main St., Danville.

Who we are
Who is providing this notice?	First Federal Savings Bank of Kentucky or Central Kentucky Federal Savings Bank (a Division of First Federal Savings Bank of Kentucky)

What we do
How does First Federal Savings Bank and Central Kentucky Federal Savings 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.
How does First Federal Savings Bank and Central Kentucky Federal Savings Bank collect my personal information?	We collect your personal information, for example, when you - open an account or deposit money - pay your bills or apply for a loan - give us your income 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. First Federal Savings Bank and Central Kentucky Savings Bank do not share with our affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. First Federal Savings Bank and Central Kentucky Savings Bank do not share with nonaffiliates 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 Savings Bank and Central Kentucky Federal Savings Bank do not jointly market.