At First American Bank, we recognize the importance of protecting the privacy of those persons using our web site. We know that maintaining the accuracy and confidentiality of financial information is important to our customers and strive to protect your privacy when you use our on-line services. Please read the following paragraphs which outline our policy. Should you have any questions after reading this, please feel free to e-mail us.

Information Collection

In general, we collect information regarding visits to our web site, including sessions by network identity, network location and IP address to evaluate how our site is being utilized. If you do not interact with us by submitting information, we do not collect data such as your e-mail address. Your personal information is collected only if you provide it to us through online forms or e-mail.

Applications and Forms

Using First American Bank’s web site, you can apply for a new account on-line or complete an on-line pre-qualification form for a mortgage loan. This application requires personal information required for the bank to process the application. This information is encrypted for privacy while in transit, helping to make sure your information remains confidential. We may retain your information in order to offer you the product or service you requested.

E-mail

You have the ability to e-mail us from various pages on our web site. This e-mail is there for you to contact us with questions or information requests. However, we do not recommend you including confidential account information in your e-mail because this transmission is not secure. When responding to your e-mail, we will contact you by another medium (telephone or mail) if our answer requires confidential information.

Calculators

When you use the calculators on our web site, the calculations run on your personal computer and are not captured. We do not keep track of information you provide when using the loan calculators.

Online Banking using BankSmartSM

When you bank online with First American Bank using BankSmartSM , the bank and the company that we work with to provide you with this service have access to your personal information. However, online banking is secure and requires a user I.D. and password to access accounts.

Third Parties

First American Bank’s web site is linked to other Internet sites. However, since we cannot control the content of these linked sites, we are not responsible for the information they contain.

We hope you are now comfortable with the way in which we gather and use information obtained from our web site. The above policy may change at any time in order to improve our information procedures. Please feel free to contact us should you have further questions.

Privacy Policy and Statement

First American Bank (“First American”), a subsidiary of the Adam Corp/Group, is committed to ensuring the privacy, security and accuracy of our customers’ personal information under our care. This Statement describes how First American collects and uses your nonpublic personal information, how you can tell us to restrict the use of such information, and how you can help us to maintain the accuracy of your accounts at First American.

First American may share your personal information in very limited circumstances with our partners for the purpose of marketing products or services. You can rest assured that the information we know about you is used responsibly to: provide you with outstanding banking products and services, to satisfy legal requirements and to carefully alert you to financial products and services offered by selected marketing partners (such as investments and insurance).

Categories of Information We Collect

We 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, our affiliates, or others;
Information we receive from a consumer-reporting agency;
Other sources associated with providing you a financial product or service.

Categories of Information We Disclose

We may disclose all of the information that we collect, as described above.

Categories of Parties Using Information

We may disclose nonpublic personal information about you to the following types of third parties:
Financial service providers, such as mortgage bankers, securities broker-dealers and insurance agents;
The Internal Revenue Service, courts, regulators, attorneys; and
Others, such as credit reporting agencies, check printers, membership clubs and ATM networks.
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

For any accounts or loans that you hold jointly with another person, each person may separately opt out and joint account holders may opt out for each other. Choosing to opt out of this information sharing may limit opportunities for you to receive product and service information that may interest you.

Confidentiality and Security

We restrict access to nonpublic personal information about you to those 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. We will retain your personal information only as long as necessary to provide services to you, in conformity with sound banking practices, or to satisfy regulatory and legal requirements. We train our employees concerning the privacy of customer information and they are held accountable for adherence to this policy as well as the Bank’s Code of Conduct. In addition, contracts and agreements executed with our suppliers and partners stress the importance of security and confidentiality.

Accuracy of Your Accounts

The accuracy of your personal information is critical to First American so that we can provide you with excellent products and services. If you wish to verify the accuracy of information we maintain, please visit your local branch or call a Customer Service representative at the toll-free number listed above.