Privacy Policy

FACTS	WHAT DOES THIRD FEDERAL SAVINGS AND LOAN 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 • Account balances and payment or transaction history • Mortgage rates and payments
	When you are no longer our customer, 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 Third Federal Savings and Loan chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Third Federal Savings and Loan 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 non-affiliates to market to you		No	We don't share
Questions?	Call toll-free 800-844-7333 or go to www.thirdfederal.com

Who We Are
Who is providing this notice?	Third Federal Savings & Loan Association of Cleveland, d/b/a Third Federal Savings & Loan.
What We Do
How does Third Federal Savings and Loan 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 Third Federal Savings and Loan collect my personal information?	We collect your personal information, for example, when you
	• Open an account or deposit money • Provide your mortgage information or apply for a loan • Give us your contact information
	We also collect your personal information from others, such as credit bureaus,affiliates, or 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 non-affiliates 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 non-financial companies. • Third Federal Savings and Loan does not share with our affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. • Third Federal Savings and Loan does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. •Third Federal Savings and Loan does not jointly market.