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Bank Privacy Notice

FACTS WHAT DOES AMERICAN NATIONAL DO WITH YOUR PERSONAL INFORMATION?
Why? 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.
What?

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 credit history
  • employment information and overdraft history
  • wire transfer instructions and payment history

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

How? 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 National chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does American National share? Can you 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 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 Yes No
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 nonaffiliates to market to you No We don't share

 

Questions? Call 434-792-5111 or Toll-free at 800-240-8190 or go to www.amnb.com

 

Who Are We

Who is providing this notice?

 

American National means American National Bank and Trust Company.

 

What We Do
How does American National 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does American National collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Give us your contact information
  • Give us your wage statements
  • Show your driver's license

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.See below for more on your rights under state law.

 

Definitions
Affiliates

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

  • American National has no affiliates.
Nonaffiliates

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

  • American National 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.

  • Our joint marketing partners include Insurance providers.

Rev. June 2010