Privacy Principles

Protecting your privacy is important to AmFirst Bank, N.A. and our employees.  Your personal information is kept in the strictest confidence, and we have no intentions of selling it to third parties. We want you to understand what information we collect and how we use it, so we have developed the following policy concerning the privacy of your personal information for consumers and consumers who become AmFirst Bank customers.  Please read the following information carefully.

• AmFirst Bank collects, retains, and uses information about individual customers only where we reasonably believe it would be useful (and as allowed by law) to administer our business and to provide products, services, and other opportunities to our customers.
  

• Nonpublic personal information is information about you, and identified with you, that AmFirst Bank obtains in connection with providing a financial product or service to you.  This is information that is unobtainable from a public source.  We may 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 or our affiliates;
  • Information we receive from third parties (direct deposits); and
  • Information from a consumer reporting agency.
• AmFirst Bank maintains procedures to limit employee access to personally identifiable information to those employees with a business reason to know such information about you.  We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and our policies on ethics.
  
• AmFirst Bank maintains appropriate security standards and procedures regarding unauthorized access to customer information.  This will be accomplished through the use of Personal Identification Numbers (PINs), multi level date sensitive security passwords, shredding of documents containing confidential customer information before disposing, and physical security systems.   This will be monitored by branch and security officers through audit reports, transaction histories, and visual observations.
  
• AmFirst Bank does not reveal specific information about customer accounts or other personally identifiable data to parties outside our bank and affiliated companies for their independent use unless, 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests it; 3) the disclosure of the information is otherwise lawfully permitted or required (i.e. subpoena, investigation of fraudulent activity, etc.); or 4) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
  
• AmFirst Bank has an affiliation with AmFirst Insurance Services.  We may disclose nonpublic personal information about you to our affiliate.  We are permitted by law to share information such as name, address, and the type of account(s) you have.  We insist that they adhere to similar privacy principles that provide for keeping personally identifiable customer information confidential.  We share information only for legitimate business purposes, with the goal of bringing you greater convenience and more choices.  By sharing information about your accounts and relationship among our family of companies, we can serve you more efficiently and make it easier for you to do business with us.
  
• 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.

AmFirst Bank wants our customers to understand our commitment to privacy issues and our use of confidential customer information.  We will make available to our customers our privacy principles through statement stuffers, new account disclosures, or our website, www.amfirstbank.com.