Protecting your privacy is important to First American Bank and our employees. Customers such as you have entrusted us not only with your finances, but also with your personal information. We want you to understand what information we collect and how we use it. The following policy serves as a standard for all First American Bank employees for collection, use, retention, and security of nonpublic personal information.

What Information We Collect

We may collect “nonpublic personal information” about you from the following sources:

• Information we receive from you on applications or other loan and account forms,
• Information about your transactions with us, our affiliates or others: and
• Information we receive from third parties such as credit bureaus.

“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 regarding your account number, social security number, payment history, and overdraft history.

What Information We Disclose

We are permitted under law to share certain information with companies related to us by common control or ownership (“affiliates”), such as First American Insurance Agency, LLC. We limit the information shared with our affiliates to name, address, and phone number.

We make disclosures of nonpublic information about you to “nonaffiliated third parties” (i.e. third parties that are not members of our corporate family) as permitted by law. For example, we may disclose nonpublic information about you to such third parties to assist us in servicing your loan or account with us, to credit bureaus, or to vendors contracted by First American Bank to provide electronic services such as Online Banking.

We do not disclose any nonpublic information about you to any other third parties, except as permitted by law.

If you 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 nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information.

This notice applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family, or household purposes.

If you have any questions, please call a customer service representative at 1-800-738-2265 or visit any one of our convenient locations.

Internet Privacy and Security Information

First American Bank does not collect identification information from users visiting this web site or using our Online Banking System. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Online Banking System tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank determine better ways to service our customer’s needs. Information submitted to the bank through e-mail or through the submission of applications is used internally to process requests and respond to customer e-mail. This information is not distributed or sold to other organizations. All information is confidential and is securely protected via the Internet.

Security

First American Bank employs the latest in Internet Security and User Authentication to ensure that data being transmitted through the Online Banking System is secure from unauthorized access. The methods are outlined below.

Digital IDs

First American Bank’s Online Banking System uses digital IDs from an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system. Digital IDs work off of a matched key setup where the server has a “private” key issued only to the server and a “public” key widely distributed to the bank’s customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.

Secured Data Transmission

The Online Banking System combined with digital ID authentication allows the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key pair, SSL capability is built into server hardware and browsers, but requires a digital ID to be functional. Server access is protected using a firewall computer and the leading firewall software. Firewall computers provide secure access to the Web Server by only allowing authorized traffic to hit the Server. By combining the latest technology with authenticated access to the web server, First American Bank makes your Online Banking transactions secure.