Purpose of this policy is to set forth the bank’s procedures for the sharing/nonsharing of nonpublic customer information.

Protecting your privacy is important to American Investors Bank and Mortgage and our employees. We want you to understand what information we collect and how we use it. In order to provide our customer with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard
for American Investors Bank and Mortgage employees for collection, use, retention, and security of nonpublic personal information.

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 COLLECT

We may collect nonpublic personal information about you from some of the following sources: Information we receive from you on application or account forms; information about your transactions with us, our affiliates or others; information we receive from a third parties such as credit reporting agencies.

WHAT INFORMATION WE DISCLOSE

We are permitted under law to disclose nonpublic personal information about you to non-affiliated third parties (i.e., third parties are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan account with us; to government entities in response to subpoenas; and to credit reporting agencies.

If you ever 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.

OUR SECURITY PROCEDURES

We also take steps to safeguard customer information. We restrict access to your personal information and 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.