American Bank, N.A.
Le Mars and Remsen, Iowa
 
At American Bank, N.A.. the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with us, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.
 
What Information We Collect
We may collect "nonpublic personal information" about you from the following sources:
 
  • Information we receive from you on applications or other loan and account forms:
  • Information about your transactions with us, our affiliates or others; and
  • Information we receive from third parties such as credit bureaus.
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
 
What Information We Disclose
We are permitted under law to share information about our experience or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership ("affiliates"). We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates. We share information about you within this family of companies so we can serve you more efficiently, offer you products and services that we know would benefit you and to make it easier to do business with us. 
We will continue to exchange the permissible information with our affiliates, because we believe that we can serve you best by maintaining the best possible information about our customers.
If we decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
 
Providing Information to Others
We do not sell or share customer information to unrelated third parties to use for their own purposes. We may share information with companies that work for us. For example, we may share information with companies that print checks for us, mail customer statements or letters or provide data processing services. These companies are acting on our behalf when they provide these services and are obligated by contract to maintain the information that they receive in a confidential manner. They are never authorized to use the information for any other reason. We do not disclose any non-public personal information about you to any other third parties, except as permitted by the regulation and law as amended from time to time. We will provide information:
 
  • When you authorize us to release information
  • To companies that perform marketing services on our behalf
  • To credit bureaus
  • To account verification services or check fraud services
  • To other parties when it is necessary or helpful in completing a transaction, including other financial institutions and networks involved in processing your transaction
  • To comply with a law, regulation, court order, or subpoena
  • To verify the existence of your account and general information about the condition of your account for a merchant or other institution
  • In response to an inquiry about current sufficient funds to cover a check you have written
  • To local, state, and federal authorities if we believe a crime may have been committed involving your account
  • To paying agencies, such as the Social Security Administration, after the death or incapacity of a recipient or beneficiary of recurring direct deposits
  • To our independent auditors, consultants or attorneys and to our regulators
 
Our Security Procedures
We also take steps to safeguard customer information. We restrict access to your personal account information to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We will continue to update and test our security systems and procedures so that your information is safe. Employees are trained so that they should never discuss or disclose customer information inside or outside of the Bank.
 
Accurate Information
We strongly believe that it is in our best interests as well as yours to maintain information that is as accurate as possible. We have established procedures to enable customer information that will be collected and maintained are as accurate and complete as possible. If you notify us at 712-546-2345 or 1-712-786-1153 that your information is inaccurate, we will correct the information in a timely manner.
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When a customer or any other person visits our website at www.am-bank.com, we may obtain certain information. The information we collect is subject to all of the safeguards we have described above, and is also subject to the following guidelines.
 
Collection and Use
We collect information from visitors to our website in two ways: general information that we gather from your PC and specific information that you choose to provide us. As a general policy, we do not automatically store or collect specific personal information concerning visitors to our website.
We will, collect and store general information such as
  • The name of the domain from which you access the internet (example -aol.com or msn.com)
  • The Internet address of the website from which you linked directly to our site, if any
  • The type of web browser you are using
  • The date and time you access our site
  • If you choose to provide us with additional information about yourself by applying for a specific product or otherwise providing information to us, we will retain and use that information in accordance with our Privacy Principles.
 
Cache Storage of Information
Internet browser software typically stores - caches - information from the Web site being visited on the hard drive of the user. This means that information viewed or input during a visit to a Web site can usually be viewed again by merely hitting the "BACK" button in your browser. Some web sites issue a "no-cache" command to browsers to prevent this temporary storage. To provide better service to you, our visitor, we do not send this command to the browser.
 
Browsers
We use strong encryption technology to protect the privacy of personal information supplied to us or accessed through the American Bank, N.A. Internet banking service.
 
Cookies
To provide you with better service and quicker access to the sections of our website of interest to you, we may use a "cookie". A cookie is a small bit of information given to your browser by a web site, which can later be retrieved. A cookie is a way for a website to recognize whether or not you have visited the site before. We use cookies for administrative purposes, such as where we store a password, or where you are able to customize the information you see. None will contain information that will enable anyone to contact you via telephone or email.
 
Email
We preserve the content of your email, your email address and our response so that we can better serve you. Depending on the content of your email, we may be required by existing laws and regulations to keep this information. If you send email to us, please remember that email is not secure against interception.
If your email contains information that is very sensitive or includes personal information such as account numbers, credit card numbers or your social security number, you may wish to consider sending this information to us in another way.
 
Children's Privacy
Our website is directed to a general audience. We do not knowingly solicit or collect personal information from children on our site.
American Bank, N.A. Privacy Principles apply to individuals. With respect to commercial credit information, we follow a "Code of Ethics for the exchange of credit information", set out by Robert Morris Associates. We do not disclose information to parties outside American Bank, N.A., including affiliates, concerning the existence or administration of a trust, except to comply with a law, regulation or judicial proceedings or as deemed necessary in the administration of the trust.
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