FACTS

WHAT DOES AMERICAN HERITAGE BANK DO
WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

n  Social Security number and income

n  account balances and account transactions

n  credit history and payment history

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons American Heritage Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does American Heritage Bank share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don't share

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don't share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call 918-224-3210 or go to www.ahb-ok.com

Page 2

What we do

How does American Heritage Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

   We maintain physical, electronic, procedural safeguards to ensure  the confidentiality of your information. Only employees who need information to provide products or services to you have access to your information.

How does American Heritage Bank collect my personal information?

We collect your personal information, for example, when you

n  open an account or deposit money

n  pay your bills or apply for a loan

n  use your debit card or perform a transaction with us and others

We also collect your personal information from others, such as credit bureaus or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

n  sharing for affiliates’ everyday business purposes—information about your creditworthiness

n  affiliates from using your information to market to you

n  sharing for nonaffiliates to market to you

State laws may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

“American Heritage Bank  does not share with our affiliates”

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

“American Heritage Bank does not share with nonaffiliates so they can market to you”. The Bank may make disclosures to other nonaffiliated third parties as permitted by law.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

“American Heritage Bank doesn’t jointly market”

Other important 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.