Ames Community Bank

Privacy Policy:

At Ames Community Bank, we understand how important personal privacy is to you. You have a right to expect that information you entrust to us will be treated with appropriate discretion. We are committed to providing and maintaining a private relationship that respects the information you give to us in the course of everyday business. Our Board of Directors has adopted this Privacy Policy to govern our promise to you, that we will protect your trust and confidence by following these policies.

Our Customers’ Privacy:

At Ames Community Bank, we believe the protection and confidentiality of our customers’ information is one of our primary responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Use, Collection, and Retention of Customer Information:

At Ames Community Bank we collect, retain and use information about our customers only where we believe it would be useful to provide products, services, and other opportunities to our customers. We use information to protect and administer your records, accounts, and funds in compliance with certain laws and regulations. We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms

Information about your transactions with us, our affiliates, or others, and

Information we receive from a consumer reporting agency.

Maintenence of accurate information:

Ames Community Bank has established procedures to ensure that your financial information is as accurate, current and complete as possible. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We pledge to respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information:

Ames Community Bank restricts access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We educate our employees so that they understand the importance of confidentiality and customer privacy.

Our Security Procedures:

Ames Community Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by unauthorized third parties. We maintain and grant access to customer information only in accordance with our internal security standards. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We will continue to update and test our security systems and procedures so that your information is kept confidential.

Providing Your Information to Others:

Ames Community Bank does not reveal customer information to nonaffiliated third parties to use for their own purposes. We may disclose the following information to other financial institutions with whom we have joint marketing agreements. Joint marketing agreements would include agreements such as with a security broker-dealer to provide products or services on the bank premises.

Information we receive from you on applications or other forms, such as your name, address and social security number.

Information about your transactions with us or our affiliates such as your financial information, payment history, and parties to transactions.

When we provide customer information to a third party, we will insist through a written agreement that the third party will adhere to privacy policies similar to those to which Ames Community Bank adheres for keeping this information confidential.

At Ames Community Bank we share information so we can work together to serve you:

We may disclose all of the information we collect, as described above, within the entire Ames Community Bank organization and other affiliate companies. You may limit our affiliates in the Ames Community Bank group of companies from marketing their products or services to you. Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice. For accounts held jointly by more than one customer, any opt out instructions received from one owner of the joint account will apply also to the individual account in that person’s name as well as any other account held jointly by that person, based on the data available to Ames Community Bank.

To limit marketing offers from our affiliate companies, contact us:

By telephone: 800-574-8123

Trust accounts where Ames Community Bank is the trustee are protected under special rules of confidentiality and trust account information is not shared for marketing purposes without specific consent.

We also provide information:

To help complete a customer initiated transaction.

When the customer requests or permits it.

To comply with a law, regulation, court order, or subpoena.

To credit bureaus.

To verify the existence of your account and general information about the condition of your account for a merchant or other financial institution.

In response to an inquiry about current sufficient funds to cover a check you have written.

To local, state and federal authorities if we believe a crime may have been committed involving your account.

To paying agencies, such as the Social Security Administration, after the death or incapacity of a recipient or beneficiary of recurring direct deposits.

To our independent auditors, consultants or attorneys and to our regulators.

Disclosure of Privacy Information to Customers:

At Ames Community Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Ames Community Bank protects your confidential information, please call us at 800-574-8123 or contact us using the e-mail reply function located on our web page, www.amesbank.com.

Revised November 2008