PRIVACY POLICY

We do not disclose your personal financial information to anyone without your permission, except as permitted or required by law. We follow these principles for both customers and former customers.

We request information when you apply for a loan, open a deposit account, or ask us for other services. For example, when you apply for a loan or a checking account, we ask for your permission to obtain information about you from a credit bureau or other consumer reporting agency. We retain information about your transactions with us.

We restrict access to your personal financial information to those Fairfield Federal employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal financial information.

We provide this notice as required by regulations of the United States Department of the Treasury Office of Thrift Supervision. 12 C.F.R. Part 573. April 1, 2001.

When visiting the Fairfield Federal Web site
If you visit our site to read or download information, we do not collect information about you, but we do collect and store information about your Internet connection. Specifically, we record:

The name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account.)

The Internet address of the Web site from which you linked directly to our site, if any (for example, www.fdic.gov, if you are following a link from the FDIC Web site, or www.yahoo.com, if you find us using the Yahoo search engine.)

The type of web browsing software and operating system you are using to view our site.

The date and time you access our site.

The pages you visit on our site

When sending electronic mail

You may choose to tell us your name and address or other identifying information when, for example, you submit a complaint or an inquiry or comment that requires further correspondence.

If you are sending electronic mail to Fairfield Federal, we want to remind you that e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information -- such as your bank account, charge card, or social security number -- you may want to send it by postal mail.

When making an inquiry, request, or complaint that requires follow-up
If you are making an inquiry or request or filing a complaint that warrants supervisory or other attention, we may need to share your information with others.

We may need to bring your correspondence to the attention of our attorneys, examiners, or other appropriate staff.

If necessary to address the issue, we may need to share your correspondence with other federal, state, or local agencies responsible for administrating or enforcing laws, rules, or regulations or for investigating known or suspected violations of laws, rules, or regulations.