Bill Payment & Internet Security Disclosure
 
Online bill payment is provided to you for your convenience. The actual payment of such bills is handled by an independent third party, CheckFree Services Corporation. Therefore, American Bank cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions. Please contact us with any questions you may have regarding the above-identified information:

Bill Pay: (800) 877-8021
Internet Banking or Security: (651) 628-5909 or (877) 382-2265

Security Statement
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lockout mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Internet Banking
Visitors to this bank website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

·         Date and time our site was accessed;

·         IP address (A numeric address given to servers connected to the Internet);

·         Web browser used;

·         City, state, and country.

Visitors may elect to provide us with personal information via e-mail, online registration forms, or our guest book. When you complete an online application or enrollment request form we will request information, such as your e-mail address, account number, name and address. This information is used internally, as appropriate, and allows us to process your request. It is not disseminated nor sold to other organizations.

Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Ensuring Your Privacy and Security During Your On-Line Sessions
Secure Socket Layer (SSL Technology) protects the information that you provide us when using the Internet Banking System. SSL is the leading security protocol for transferring data on the Internet. SSL Technology scrambles or encrypts your account information as it moves from your PC browser to American Bank. When the information is scrambled in this way, it becomes nearly impossible for anyone other than American Bank to read it. Using SSL technology helps protect the confidentially of your information when banking online with American Bank.

9/10/2010