Privacy Policy

Our Pledge to You–We Will Protect the Confidentiality of Your Information

Respect for our customers' privacy has long been highly valued at American National Bank. Not only is it what our customers expect, it's the right way to conduct our business. The trust of our customers is our most valuable asset and the reason we are in business. This trust is built, in part upon the proper handling of personal information. The following policy serves as a standard for all American National Bank employees for collection, use, retention and security of nonpublic personal information.

What Information We Collect

We collect 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, our affiliates, or others;
• Information we receive from a consumer reporting agency.

"Nonpublic personal information" is nonpublic information about you 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 do not disclose any nonpublic personal information about our customers or former customers to anyone, except as required or permitted by law.

We are permitted by law to disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Our Security Procedures

We take steps to safeguard customer information. We restrict access to nonpublic 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 comply with Federal regulations to guard your nonpublic personal information.

The privacy of your information is protected not only by law, but even more importantly, by American National Bank's pledge to you.

Privacy Statement

Visitors to this bank Web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed
• IP address (A numeric address given to servers connected to the Internet)
• Web browser used
• City, state, and country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via E-mail, online registration forms or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

Some areas of our Web site may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.