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Privacy Statement
The Board,
Management and Staff of American Bank of Commerce believe that your
right to privacy is one of the foundations on which our relationship
is based. We value your trust and we are pleased to take this opportunity
to establish in writing our pledge to maintain that privacy. We
carefully handle information we possess about you. All American
Bank of Commerce personnel who have access to your information are
bound by a code of conduct that requires the confidential treatment
of Customer Information. Additionally, to safeguard your non-public
personal information, access to such information is restricted to
authorized personnel only. We maintain physical, electronic and
procedural safeguards that comply with federal standards to guard
your non-public personal information.
THE
BANK COLLECTS NON-PUBLIC PERSONAL INFORMATION ABOUT YOU FROM THE
FOLLOWING SOURCES:
- Information
you may give us in establishing an account, applications for credit,
forms and other information you provide us, whether in writing,
in person, by telephone, electronically, or by any other means,
such as your name, address, social security number, assets, income,
and debt;
- Information
about your transactions and your account experience with us;
- Information
we obtain from consumer credit reporting agencies;
- Information
from other outside sources regarding employment, credit, or other
relationship(s) with you, or verifying representations made by
you to us, such as your employment history, loan or credit card
balances, or your property insurance coverage;
- Other
general information we obtain about you that is not assembled
for the purpose of
determining your eligibility for credit, insurance, employment,
or other product or service you request, such as demographic information;
and
- Information
collected through the use of Internet "cookies" when
you access our Web site.
WE
DO NOT DISCLOSE OR SHARE NON-PUBLIC PERSONAL INFORMATION ABOUT YOU
TO ANYONE EXCEPT AS PERMITTED BY LAW.
We may
share your information with companies we have hired to provide marketing
or other services on our behalf or other institutions with which
we have a joint marketing agreement. Information about your transactions
that we may share may include name, address, account balance, telephone
number and types of products owned. All third parties, to whom information
is shared, are not permitted to use the information for any purpose
other than to assist our servicing of your account(s) or as permitted
by law. We do not have/do not share any information with affiliates.
If you
close your account(s) or if we lose contact with you, we will continue
to share information in accordance with our current privacy policy
and practices.
To the
extent we may collect personally identifiable medical information
in connection with the sale of insurance products or services, we
will not (either internally or externally) share such information
for any purpose other than the underwriting or administration of
an insurance policy, claim or account.
IMPORTANT
CONSUMER INFORMATION
Procedures
for opening a new account
To
help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain,
verify, and record information that identifies each person who opens
an account.
What
this means for you: When you open an account, we will ask for your
name, address, date of birth, and other information that will allow
us to identify
you. We may also ask to see your driver's license or other identifying
documents.
Consumer
Complaint Notice and Sale of Checks Notice
American
Bank of Commerce is chartered under the laws of the State of Texas
and by state law is subject to regulatory oversight by the Texas
Department of Banking. Any consumer wishing to file a complaint
against the American Bank of Commerce should contact the Texas Department
of Banking.
The American
Bank of Commerce also engages in the money transmission and/or currency
exchange business individually and as an authorized delegate of
American Express Company under Chapter 151 of the Texas Finance
Code. After first contacting American Bank of Commerce regarding
money orders or American Express Company regarding Travelers Checks,
a customer that still has an unresolved compliant regarding the
company's money transmission or currency exchange activity should
direct the complaint to the Texas Department of Banking.
Consumers/customers
may file complaints with the Texas Department of banking by contacting
the Department through one of the means indicated below:
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