Privacy Notice

What does American Bank do with your personal information?

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.

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

• Social Security number and assets
• income and transaction history
• account transactions and credit history

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

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 BANK chooses to share; and
whether you can 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 to report to credit bureaus

Yes

No

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

No

We don't share

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 our affiliates to market to you

No

We don't share

For nonaffiliates to market to you

No

We don't share

Call 620 856-2301 to contact Taylor Hight, President or go to americanbankbaxter.com

Who is providing this notice?

American Bank; 1201 Military Avenue; P.O. Box 597, Baxter Springs, KS 66713
American Bank; 810 East Maple, P.O. Box 230, Columbus, KS 66725
American Bank; 901 East 7th Street, P.O. Box 385, Galena, KS 66739

How does AMERICAN 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 restrict access to nonpublic personal information about you to those employees who
need to know that information to provide products or services to you.

How does AMERICAN BANK collect my personal information?

We collect your personal information, for example, when you

• apply for a loan or open an account
• apply for insurance or make deposits or withdrawals from your account
• pay your bills

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

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Affiliates

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

• AMERICAN BANK does not share with our affiliates.

Nonaffiliates

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

• AMERICAN BANK does not share with nonaffiliates so they can market to you.

Joint Marketing

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

• AMERICAN BANK doesn't jointly market.