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NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Jackson Federal Saving And Loan Association.

This is our privacy notice for our customers. When we use the words "you" 
and "your" we mean the following types of customers:

� Our consumer customers who have a continuing relationship by 
purchasing or holding financial products or services such as a(n):

� Deposit account

� Loan account

� Safe deposit box

� All IRA accounts for which we act as custodian

We will tell you the sources of the information we collect about you. We will 
tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company 
that is not an affiliate of ours. This is also known as nonaffiliated third 
party, or simply, an "other party."

We collect information about you from the following sources:

� Information you give us on applications or other forms

� Information about your transactions with us

� Information about your transactions with other parties

� Information from a consumer reporting agency

We do NOT disclose any information about you to anyone, except as permitted 
by law. This might include disclosures necessary to service your account, 
perform joint marketing or prevent unauthorized transactions.

We restrict access to information about you to those employees who need to
know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

We do not disclose information about former customers, except as permitted by law