Your Financial Privacy Rights

A.J. Smith Federal Savings Bank respects your privacy.  As you visit our web site, you will see that we have provided you with valuable information on the many ways we can be of service to you. Whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products, services, locations, and hours.

This is our privacy notice to you, our customers.  We will tell you the source for nonpublic personal information we collect and what measures we take to secure that information.

We, our and us mean AJ Smith FSB.  When we use the words "you" and "your" we mean all of our consumer customers who have a continuing relationship with us such as:

Deposit Account

Loan Account

First we need to define some terms for you:

Nonpublic personal information means information about you that collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that available from public sources, such as telephone directories or government records

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls own.  Ownership does not mean complete ownership, but means owning enough to have control

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information that We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms

• Information about your transaction with us

• Information about your transactions with nonaffiliated third parties

• Information from consumer reporting agency

The Confidentiality, Security and Integrity of Your Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information and Affiliates - Future Changes

In the future, we may disclose nonpublic personal information about your affiliates.  Here are the kinds of nonpublic personal information we may disclose to our affiliates

Transaction and experience information from our account records

Information about your transactions and experience with us, such as:

Name

Address

Account balances

Type of accounts

We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law.

Federal law allows us to disclose the information listed with our affiliates.

Types of Affiliates

We may disclose nonpublic personal information about you in the future to following types of affiliates:

Financial service providers, such as Securities broker-dealers and Insurance agents

Reason for Disclosure

We may disclose nonpublic personal information about you in the future to our affiliates to provide our customers with information about additional products and services.

Web Site Confidentiality

As a visitor to our web site, you need not be concerned about the privacy of your personal information. A.J. Smith Federal Savings Bank does not collect personally identifying data on our visitors. Our servers may collect and store information about the name of the domain from which you access the Internet, the date and time you access our site, and the Internet address of the web site from which you linked to us. Other than that, our servers collect information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables A.J. Smith Federal Savings Bank to tell which site areas are of most interest to our users, which avenues of site promotion are most effective, and to determine peak usage times.

Our web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via email, please keep in mind that your email address, and any other information your email header shows about you, such as your name or organization, will be revealed to us in the email. However, we promise that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments or questions. Your email address will not be sold, nor will it be shared with others outside the bank unless we are compelled to by law.

There are instances where you may elect to provide us with personal information. If you fill out our property pre-qualification,or if you send us email, you are transmitting the information that appears to you in the form or message. This will typically include information like your name, mailing address, email address, the kind of request you are making, and any other information necessary to fulfill your request. You never transmit personally identifying information that you do not enter yourself. This is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is only used for fulfilling the request or for contacting you directly and is not given or sold to any other organization.

COPPA (Children's Online Privacy Protection Act)

AJ Smith Federal Savings Bank respects the online privacy of your children. We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 from our Web sites. We are not responsible for the any data collection and practices of nonaffiliated third-parties that are linked from our Web site.

We follow the federal guidelines of the Children's Online Privacy Protection Act (COPPA.)  COPPA gives parents control over what type of information is collected online about their children.

You may visit the COPPA Web site for more information.