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Internet Privacy Statement

Protecting your privacy and the trust you have placed in American National Bank and Trust Company to service your financial assets is at the core of our business. In the normal course of banking with us, we need to collect and use various types of information to provide the products and services that you desire. You should read American National's Privacy Notice to be informed of our policies and procedures, as well as understand the security measures we have in place to safeguard your personal and confidential information.

Our goal is to protect your personal information in every way that we interact with you, whether on the telephone, in our lobby, at one of our ATMs, or on the Internet. The following information is designed to help you to further understand our practices while visiting our web site or using our Online Banking service.

Web Site Visitors
Visitors to our web site remain anonymous. We do not collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an e-mail or complete an Online Banking application online. If you provide us this information, it will only be used in furtherance of the purpose for which it was provided. Neither NetTeller, who assists the bank in providing Online Banking services, nor American National sends web site visitors a "cookie;Ē however, if you are an Online Banking customer, NetTeller will send you a cookie for security purposes. Additional information on this cookie is discussed in later sections of this notice.


External Third Party Links
Our web site contains links to other third party sites, including NetTeller; however, American National is not responsible for the privacy practices or the content of any third party web sites.

With the exception of NetTeller, we do NOT have access to the information collected by any third party, nor can we control how they use this information. As a general rule, you should always look for and review a site's privacy policy before giving out any personal information and before completing a transaction. If you have questions or concerns about the privacy policies and practices of these third parties, please review their web sites and contact them directly. American National assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions you conduct through them.


What is a Cookie?

A cookie is a very small text file sent by a web server, which is stored on the hard disk on your browser so that it can be read later. Cookies cannot read information about you from your computer or be used to steal information about you. Cookies donít carry viruses and are not programs that can perform functions on your computer.

Cookies are a basic way for a server to identify you (most actually identify the computer you happen to be using at the time, not you personally), and cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies do perform a very important function when you engage in our secure Online Banking service, and that is described below.


Online Banking Cookies

Our Online Banking service, provided by NetTeller, uses encrypted cookies that do not pass to your computer. Instead, the cookie is stored in the memory of your browser, identifying only your computer while you are logged on. Only NetTeller can read the information in these cookies. This Online Banking cookie allows NetTeller to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for Online Banking simply provide another level of security for our Online Banking product.

When you log off, close your browser, or turn off your machine, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your passcode.

NetTeller does not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie so you can use the Online Banking system.



Our Online Banking service provider, NetTeller, has developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a top-of-the line security system to ensure your customer information is protected on the Internet and within the NetTeller environment.



If you believe any information that American National or NetTeller has collected about you has been used for an improper purpose, please call us at (434) 792-5111 or toll free at (800) 240-8190, e-mail us at This e-mail address is being protected from spam bots; you need JavaScript enabled to view it. Explain your concerns in as much detail as possible so that we may take any appropriate action.


This web site is not targeting or marketed to individuals under 18 years of age.