ONILNE BANKING > PRIVACY STATEMENT AMERICAN HERITAGE BANK Sapulpa, Oklahoma PRIVACY NOTICE Our Privacy Pledge to You At American Heritage Bank, we recognize our obligation to keep information about you confidential and secure. Your right to personal and financial privacy is our priority. For your protection, we pledge to: · Never sell confidential customer information. · Never share customer information with third parties. · Provide accurate records of your accounts and applications based on your account history and the information you have provided to us. · Require verification and authentication of identification before disclosing information. · Provide security for information and systems. · Comply with all privacy regulations and laws. Collection and Use of Financial Information As a regular part of conducting business, we gather and utilize various types of information. You provide much of this information and we may verify it by outside third parties. We collect only information that is required to evaluate a request by you, offer you a service, or to maintain your accounts. Information we may collect from third parties is often available from public records, demographic and survey information sources, credit reporting agencies, as well as income, employment, or other confidential information you provide to us. Types of information we collect includes: · Information provided by you on applications, surveys, or other means. This includes identification, contact information, income, assets, and debts. · Information about your transactions with us or others · Information from consumer reporting agencies that reflect your credit and payment history. · Information from outside sources regarding your employment, credit history, or other relationships with you for the purpose of verification of information you have provided to us. This would include employment history, credit history, loan balances, insurance coverages, and contact information. · Information regarding your accounts and history with us. This would include account balances, transaction history, correspondence, or other communications with you, transaction parties, and use of products or services. · Information of a general nature that may not be used to qualify you for credit or other products and services such as demographic information. We use this information to service your accounts, to qualify you for financial products or services, and to package banking services that fit your individual needs. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. “Nonpublic personal information is any nonpublic information about you that we obtain in connectin with providing a financial product or service to you. This could include information such as account balances, payment history, and overdraft history.” Managing and Sharing of Information We carefully limit who receives information and what type of information is shared. We share information only for legitimate business purposes and as allowed by law. Regulations, applicable state and federal laws, and a company code of ethics govern all Bank employees. Employees have access to customer information only at a level required to perform their job responsibilities. Employees access information about you only when necessary to consider your request for products and services, service your accounts, or otherwise meet your needs. We may also access information about you when considering a request from you for additional services, or when exercising our rights under any agreement with you. Our employees are trained to understand and comply with these information principles and related banking regulations. We also provide training to our employees regarding the importance of accuracy, maintaining confidentiality, and securing information. This includes proper methods of collection and reporting of information, securing and destroying customer information, and retention and storage of information. Keeping your account information accurate and up to date is very important. You can help in this effort. If you ever find that our records are incomplete, inaccurate, or outdated, please call (918) 224-3210. We will correct the information as quickly as possible. Information may also be exchanged with credit reporting agencies and similar organizations or provided when legally required or permitted in connection with fraud investigation or in connection with an acquisition or sale. If we receive a subpoena or similar legal process demanding release of any information about you, we will generally attempt to notify you before we comply with the request (unless we believe we are prohibited from doing so). Except as required by law, we do not share information with outside parties, including government agencies. Security Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your information with care. We will use up-to-date technology systems, polices, and established procedures to assure protection of your information. We will always “authenticate” your identity when you call in to request information by asking you to confirm identifying information you have provided to us that others should not know. We may ask you to confirm information about transactions. This information is requested to provide you additional security by limiting any possibility that information about your account would be given to non-authorized parties. We maintain records in secure locations and regularly destroy documents that are no longer needed. These are just examples of some of the regular procedures that are followed to provide the highest level of security and confidentiality. What You Can Do to Safeguard Your Financial Privacy You have an important role in preventing misuse of your confidential financial information and bank accounts. You should monitor your banking statement(s), notices, and other correspondence immediately upon receiving it from the Bank. You should protect the confidentiality of your account(s), account number(s), personal identification numbers (PIN’s), passwords, login ID’s, or other identifying numbers including driver’s license number and social security number. Personal identification information by itself, or together with information related to your account, may allow unauthorized access to your information or account(s). CONTACT US AT ONCE if you believe your private financial information has been secured by an unauthorized party or has been compromised in any way. This would include loss, theft, or other means by unauthorized parties of gaining access to your information. We do not knowingly solicit data from children nor do we knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and parents. Access and Choices for Your Banking To help you make better financial choices, we offer a variety of account and service options as well as multiple ways to access information. Our website is located at ahb-ok.com. You can access your account information 24 hours a day by calling 227-BANK. Of course, our branch locations welcome your visit. Contacting American Heritage Bank - You can communicate with us in any one of the following ways: Email – You can contact us by email at Ahb-ok.com. Telephone - You can contact us by telephone at (918) 224-3210. Facsimile - You can contact us by fax at (918) 224-7689. Postal Mail - You can write us at : P O Box 1408, Sapulpa, OK 74066. In Person - You may visit us in person at our locations: Sapulpa, Kellyville, Mounds, Beggs, Sand Springs, Berryhill, Mannford, Yale, Kiefer, Cleveland, 71st & Union, North Sand Springs. American Heritage Bank, member FDIC Equal Housing Lender