Business Continuity Plan Disclosure Statement

It is the policy of the First Federal Savings Bank (the “Bank”) to make you aware of our business continuity
plans in case of an emergency. The Bank’s plans are designed to ensure that our operations will continue to
function with little or no disruption, that our customers’ accounts will be secure and accessible, and that our
customers will be able to reach us regardless of the scope of the situation or event. The Bank has developed a
Business Continuity Plan (BCP) with respect to how we will respond to events that significantly disrupt our
operations. Our BCP was designed to be flexible in responding to actual events as they occur, since the timing
and impact of disasters and disruptions is unpredictable. With that in mind, we are providing you with this

Contacting Us. Should one of our branch or facility locations be affected we will move the operations to
our alternate location where we are able to serve our customers as effectively as possible. Calls to the
affected location will be re-routed to the alternate location where we have access to all of the same systems
to serve you. In the event of a prolonged disruption to one of our branch or facility locations, our BCP
provides for more permanent relocation of staff to an alternate location, where we will continue to provide
the best service possible. If you cannot access us through our telephone lines, our website will be updated
with further information at

Business Continuity Plan. It is the policy of the Bank to quickly recover and resume business operations
after a significant business disruption and respond by safeguarding our employees and property, making a
financial and operational assessment, protecting the Bank’s records, and allowing our customers to transact
business. Our BCP is designed to permit us to resume operations as quickly as possible, given the scope
and severity of the significant business disruption.

  • Our BCP addresses: data backup and recovery; all mission critical systems; financial and operational
    assessments; alternative communications with customers, employees, and regulators; alternate physical
    location of employees; critical supplier, contractor, and counter-party impact; regulatory reporting; and
    assuring our customers prompt access to their accounts if we are unable to continue our operations.
  • We backup our important records in a geographically separate area. While every emergency situation
    poses unique problems based on external factors, such as time of day and the severity of the disruption,
    the objective is to restore our operations and be able to complete existing transactions and accept new
    transactions as soon as possible. Your transactions could be delayed during this period.

Varying Disruptions. Significant business disruptions can vary in scope, such as a single office or facility,
the immediate area where more than one office or facility is located, the city where we are located, or the
whole region. Within each of these areas, the severity of the disruption can also vary from minimal to
severe. In a disruption where only a single location is affected, we will transfer our operations to a location
when appropriate and expect to recover and resume operations as soon as possible. In a disruption affecting
multiple offices or facilities such as a city or region, we will transfer our operations to a location outside
of the affected area, and recover and resume operations as soon as possible. In either situation, we plan to
continue in business, and will notify you through our website at
All telephone calls placed to our main line will be forwarded to our alternate location if telephone service has not been interrupted.

Additional Information. Please contact us by telephone at (812) 492-8123 or by e-mail at if you have questions about the Bank’s Business Continuity Plan.