American Bank is committed to protecting the privacy of our customers' information. We know that your financial information is personal. Our goal is to serve you as effectively and conveniently as possible and to ensure that information you share with us remains confidential. As part of that policy, we have adopted the following privacy principals and have implemented them at all levels of our organization. American Bank collects nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us or others
• Information we receive from a consumer reporting agency.

We do not disclose any nonpublic personal information about you to anyone, except under the following circumstances:

• You request or authorize disclosure
• The information is provided to help complete a transaction initiated by you
• The information is provided to a reputable credit agency
• The disclosure is required by law

If you decide to close your account(s) or become an inactive customer, we will treat the information we have about you as if you were still our customer. American Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you.

American Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We do not sell our customer lists. American Bank does not share information with vendors who wish to provide special offers of financial services, such as insurance companies.