Important Information
Washington Federal Savings Bank and its Affiliates
Personal Information Privacy Policy

Washington Federal realizes that your trust is our most important asset. Therefore, protecting the privacy and confidentiality of your personal information is imperative to us. To offer you the financial products and services you seek, we collect, maintain and use information about you on a routine basis. To help you better understand how your personal information is protected at Washington Federal we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. These Privacy Policies apply to Washington Federal Savings Bank and its affiliates. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice.

Information We Collect
As a trusted financial institution, we collect, retain and use non-public personal information about individual customers, allowed by law, to provide products and services to our customers. We collect non-public personal information about you from the following sources:

	Information we receive from you on applications to us for our products and services and on other forms that you may provide us.
	Information that we receive from processing your accounts with us and the transactions in those accounts, such as deposit accounts and loans.
	Information we receive from a consumer reporting agency, commonly called a credit bureau.
	Information we receive about you from our affiliates.
	Information that we receive in response to requests we make to third parties about you or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans.

Information That We Disclose
We may disclose non-public personal information about you with our affiliates and other non-affiliated third parties under certain circumstances to provide account services. Any non-public personal information shared is conducted in strict adherence to applicable law. We may disclose the following kinds of non-public information about you:

We may disclose information that we receive from you on an application such as your assets, liabilities, income and employment history for example, in order to determine whether a loan is saleable on the secondary market.

We may disclose information that we receive from you on an application such as existing loan balances to be paid from loan proceeds, for example, to persons who will be involved in the closing of the loan, such as attorneys, and title companies.

We may disclose information that we receive from processing your accounts with us, such as balance information, for example, to the interchange operator that processes our ATM and debit card transactions.

We may disclose information that we receive from processing your accounts with us, for example, whether there are sufficient funds in the account to pay a check that you have written.

We may disclose information about transactions or experiences with you to persons related to us by common ownership or affiliated by corporate control. We may also, at our discretion, exchange other information to these same persons, unless you direct us not to exchange this information. If you do not want us to exchange this information with our affiliates, you may direct us to not make those disclosures by telephoning us at the following toll-free number (800) 439-6246 or write to us at:

Washington Federal Savings Bank
Consumer Privacy
77 South Main Street
Washington, PA 15301

IF YOU HAVE PREVIOUSLY NOTIFIED US NOT TO SHARE YOUR INFORMATION WITH OUR AFFILIATED COMPANIES, YOU DO NOT NEED TO NOTIFY US AGAIN.

HOW WE PROTECT YOUR INFORMATION
We understand that the protection of your non-public personal information is of the utmost importance. Guarding your privacy is our obligation. Washington Federal maintains strict policies and procedures to safeguard your privacy. We restrict employee access to customer information only to those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and consumer privacy.