Privacy Policy

Our Commitment to Security and Privacy
Ensuring data security and protecting a customer’s privacy is important to American Savings, FSB. We respect your right to privacy and take every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels. We hope the following statements will assist customers in understanding how we collect, use, and protect the nonpublic personal information provided to us, both through our branches and on our Web site. For more information regarding the American Savings, FSB Online Banking Privacy Policy, please email us.

Definitions
First, we must define some terms.
▪ The terms we, our and us, as used in this notice, refer to American Savings, FSB.
▪ The terms you and your refer to all of our consumer customers who have a continuing relationship with us, such as a deposit account, a loan account, a self-directed Individual Retirement Account where we act as custodian or trustee, or a debit card.
▪ Nonpublic personal information means information about you that we collect in connection with providing a financial service to you. This does not include information that is 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 us. 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 transactions with us
▪ Information about your transactions with our affiliates
▪ Information about your transactions with nonaffiliated third parties
▪ Information from a consumer reporting agency

If Visitors Browse the American Savings Site
We may collect and store the name of the domain from which they access the Internet, as well as the date and time. We may use this information strictly for monitoring the number of visitors to different areas of our Web site.

The Confidentiality, Security and Integrity
of Your Nonpublic Personal Information
We limit employee access to your nonpublic personal information to only those bank administrators with a business reason for knowing such information. We maintain physical electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We also educate all employees about the importance of confidentiality and customer privacy.

Third-Party Disclosures Restriction
The bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party: in order to process a customer transaction; if the customer requests it; if the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or for marketing purposes of which the customer has been previously informed and has been given the opportunity to decline.

Nonpublic Personal Information Disclosure
We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law. We do not disclose nonpublic personal information about former customers, except as permitted by law. We may disclose nonpublic personal information to financial service providers, such as the American Savings, FSB Financial Advisory Center.

Limitations on Disclosure
The limitations we impose on the use of nonpublic personal information disclosed are restricted to other financial institutions with which we have joint marketing agreements. We only allow direct mail and telephone solicitations.

Fact Act Notice
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.

Annual Error Resolution Notice
   In case of errors or questions about your electronic transfers, contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
   ▪ Tell us your name and account number (if any)
   ▪ Describe the error or the transfer you are unsure
      about, and explain, as clearly as you can, why you
      believe it is an error or why you need more
      information
   ▪ Tell us the dollar amount of the suspected error
   If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
   We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
   For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
   We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
   You may ask for copies of the documents that we used in our investigation.