Privacy Statement

American State Bank
Sioux Center, Hospers, Granville, Alvord, and Hull, Iowa

Privacy Policy Notice

Your trust is important to us.

At American State Bank, the basis of each customer relationship is TRUST. We believe that your privacy should not be compromised.

In order to make informed decisions about extending services to our customers, we may collect “nonpublic personal information” about you from the following sources: 1) Information we receive from you on applications or other loan and account forms. 2) Information about your transactions with our affiliates, others, or us. 3) Information we receive from third parties such as credit bureaus.

We are permitted under law to share information about our experience or transactions with you on your account and information we receive from you in applications, with companies related to us by common control or ownership (“affiliates”).

We do not disclose any non-public personal information about you, or former customers, to any other third parties, except as permitted by the regulation and law as amended from time to time.

We will provide information (a) when you authorize us to (b) to comply with a law, regulation, court order or subpoena (c) to verify the existence of your account, and general information about the condition of your account to a third party (such as a credit bureau) (d) when it is necessary to complete a transaction.

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. Employees are trained to never discuss or disclose customer information inside or outside of the Bank.

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 to be as accurate and complete as possible. If you notify us at 712-722-4846 or 1-888-262-2655 that your information is inaccurate, we will correct the information in a timely manner.

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Web Site Privacy Policy

When a customer or any other person visits our website at www.ambankiowa.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

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 State Bank’s Internet Banking services.

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.

** We recommend that you complete your online transactions and log off before surfing to other sites. We also suggest that you do not surf to other sites during your online banking session.

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 State Bank’s 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 State Bank, 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.

* New language added 9/2003

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