American Community Bank
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Internet Privacy and Security Statements

At American Community Bank & Trust, our core value of a commitment to confidentiality is not something we take lightly and it has a profound affect on how we conduct our business, and deal with yours. We understand that privacy is an important concern for all of our clients and we are therefore committed to protecting and safeguarding the Personal Information you provide to us as a customer and/or as a visitor to our web site. Our objective is to protect your information on the Internet in the same manner that we protect it in our banks, at ATM’s, and on the telephone.

Our pledge to keep your financial and personal information confidential is further explained in our Privacy Statement below, as required by federal regulation. As you read this, you will note that American Community Bank & Trust has taken the position that we do not, and will not, disclose any information about you to anyone, except as specifically permitted by law and explained in this disclosure.

Internet Privacy Statement

The commitment of American Community Bank & Trust to keep your information private, in accordance with federal privacy regulations, is explained in the following policies.

We recognize your expectation of privacy and security for your personal and financial affairs. We acknowledge the need to safeguard sensitive information, which you have entrusted with us. American Community Bank & Trust utilizes standards and procedures designed to prevent misuse of this information.

The American Community Bank & Trust web site allows you to explore information about American Community Bank & Trust; learn more about our services and products; and check on career opportunities without disclosing any information about yourself.

If, however, you do provide personal information, such as mailing address, e-mail address, telephone or fax numbers, as well as demographic and other consumer identification, we will not sell or share it with external organizations unless we have informed you, been authorized by you, or are required by law to do so. We will maintain and use this information within American Community Bank & Trust according to our strict standards for security and confidentiality.

E-mail is not necessarily secure against interception. If your communication is very sensitive, or includes personal information such as your account numbers, credit card number or social security number, you may want to call us or send it by regular mail instead.

Some parts of the American Community Bank & Trust web site may use a “cookie,” which is a file placed on your computer hard drive, that allows the American Community Bank & Trust web server to log the pages you used in the site and to determine if you have visited the site before. The American Community Bank & Trust server uses this information to provide certain features during your visit to our web site. You can set your browser to warn you when cookie placement is requested, and decide whether or not to accept it. By rejecting a cookie, some of the features available on the site may not function properly. Refer to your browser for proper instructions.

Thank you. Your business is very important to us and we have developed this privacy policy to ensure the safeguarding of your personal information with a serious commitment to confidentiality.

Internet Security Statement

In Internet banking, as with traditional banking methods, security is a primary concern. At American Community Bank & Trust, we have taken every precaution to be sure your information is transmitted safely and securely. The latest methods in Internet banking system security are used to increase and monitor the integrity and security of the system.

The security of American Community Bank & Trust’s Internet banking application is addressed at three levels. The first concern is the security of client information as it is sent from a client’s PC to the Web server. The second area concerns the security of the environment in which the Internet banking server and client information database resides. Finally, security measures are in place to prevent unauthorized users from attempting to log into the online banking section of the Web site.

Data security between the client browser and ourWeb server is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication, and message integrity for an Internet connection. In addition, SSL provides a security “handshake” that is used to initiate the connection. This handshake results in the client and server agreeing on the level of security they will use, and fulfills any authentication requirements for the connection. To begin a session with the bank’s server the user must key in an Access ID and password. After three unsuccessful login attempts, the system locks the user out, requiring the client to call the bank to become reactivated.

Requests for Online Banking information are passed on from the Web server to the host mainframe. American Community Bank & Trust understands the importance of keeping client information secure. As a result, American Community Bank & Trust has taken significant measures to ensure world-class network, data and physical security. As an additional measure of security, American Community Bank & Trust has put in place the use of Private IP Addressing. This protects servers from inappropriate Internet access and restricts unauthorized visibility of internal components.

All requests must filter through a router and firewalls before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewalls, 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.

American Community Bank & Trust reserves the right to change this policy at any time by posting a new or updated privacy policy to the American Community Bank & Trust Web Page.

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