We at American National Bank recognize and respect the privacy expectations of our customers. To help insure the security and confidentiality of our customers' nonpublic and personal information, we adhere to the following privacy policy.

Collection, Use and Retention of Customer Information In order to provide the highest level of service, we collect information about our customers from many sources, such as:

• Information we receive from applications or other forms;
• Information about customer transactions with us or our affiliates;
• Information we receive from a consumer reporting agency.

It is our policy to not reveal specific information about customer accounts or other nonpublic personally identifiable information to unaffiliated third parties for their independent use. We may, however, disclose all such information to reputable information reporting agencies to maximize the accuracy and security of such information, or when (a) we believe that the information would be useful in providing the customer with additional services and opportunities from American National Bank or its affiliates or subsidiaries; or (b) the information is provided to help complete a transaction requested or authorized by the customer; or (c) the customer requests or permits that such information be revealed to affiliated or non-affiliated third parties; or (d) the disclosure is required or allowed by law, such as to report large currency and foreign transactions, or to protect against actual or potential fraud, unauthorized transactions, claims or other liability; or (e) the customer has been given clear and conspicuous notice of the possibility of disclosure to nonaffiliated third parties for marketing or similar purposes, and the customer has been given an opportunity, prior to the time that such information is disclosed, to opt out of such disclosure. American National Bank applies these restrictions to all of its customers, whether current or non-current.

Maintenance of Accurate Information American National Bank has established procedures to assure that customer's financial information is accurate, current and in complete accordance with reasonable commercial standards. We will be responsive to requests to correct inaccurate information in a timely manner.

Questions concerning the accuracy of customer information should be directed to:

Charrisse Dyer
Privacy Officer
American National Bank
4301 N Federal Hwy
Oakland Park FL 33308

Limiting Access to Information American National Bank limits employee access to its customers' nonpublic or personally identifiable information to those employees with a legitimate business reason for knowing such information. We strive to educate our employees so they understand the importance of confidentiality and customer privacy, and will take appropriate disciplinary measures to enforce these standards. Furthermore, American National Bank maintains appropriate security standards and procedures regarding unauthorized virtual and physical access to customer information.

Maintaining Customer Privacy in Business Relationships with Third Parties In those limited circumstances that American National Bank provides personally identifiable information to a third party, we will insist the third party adhere to similar privacy principles and standards that provide for keeping such information confidential.

Internet Privacy In order to provide more effective service, we will occasionally use a "cookie." A cookie is a small amount of data which our website stores on your computer, and which we can later retrieve. The cookie cannot be read by a website other than ours and is used for a number of administrative purposes; for example, to store preferences for certain kinds of information or passwords. No cookie will contain information that will allow anyone to be contacted via telephone, e-mail, or any other means. The usage of "cookies" on computers can be monitored by setting the Web browser to inform when cookies are set, or to prevent the cookies from being set entirely. Disabling "cookies" may prevent access to certain portions or services of our website.

Changes to Our Privacy Policy We may find it necessary to amend or revise our Privacy Policy. Any such revisions or additions will be posted on this page. Please re-visit this page from time to time to review any such changes. May