(Collectively "AFCO")

 AFCO Privacy Statement

We take the issue of privacy very seriously. We want to assure users of our Web site of the security, privacy and confidentiality that they expect from a premier financial services institution. As technology evolves, we will continue to look for better ways to gather and use information in order to offer products and services that best meet your needs and to protect and safeguard information about you and your accounts.

Information Collected

We do not collect any personal information from anyone who is merely visiting this Web site other than requesting the user id and password to access the site. Personal information may be requested if a user requests a password be reset.

Account Inquiry Access We offer online account inquiry access and only collect personal information necessary to provide data requested by the visitor (for example, account balances).

AFCO requires a user ID and password for the protection of the user. AFCO utilizes security and encryption technology that is consistent with industry best practices. E-mails sent to AFCO over the Internet from a source other than the AFCO Web site may not be secure and, since the security is out of AFCO's control, AFCO cannot be responsible for their security.

To protect the confidentiality of the information submitted via this Web site, we use secure socket layer (SSL) technology. SSL technology establishes a "secure" Internet session and encodes the data submitted to the Web site, ensuring that the information is accessible only to an authorized representative and the customer. A customer can tell whether a document comes from a secure server by looking at the location (URL) field. If the URL begins with https:// (instead of http://), the document comes from a secure server.

E-Mail and Product Inquiry
Through use of an e-mail link, we invite users of this Web site to send e-mail messages to AFCO customer service so that service representatives may respond to inquiries regarding AFCO or its products or services. AFCO retains copies of these e-mail messages. The information provided by a user will only be used to respond to the user and to provide better customer service.

Use of Cookies
A cookie is a small piece of information about an Internet session that may be created when a user accesses a Web site. Presently, we use session cookies, which are temporary cookies that are deleted from your computer when you close your browser, to facilitate easier navigation within the site and provide a higher level of convenience for the user.

Use of Information Collected
Information collected from users of this Web site is used to address the specific needs of those users and to provide better customer service. The information collected also is used to provide a record of communications between AFCO and its Web site users and to comply with any applicable legal and/or regulatory requirements.

Access to Information Collected

Our employees have limited access to customer information based on their responsibilities. Certain AFCO service associates will be provided with a user's information in order to respond to that user's needs. This access enables them to assist you in resolving any service issues that may arise. Our employees are instructed to use strict standards of care in handling all customer information. AFCO associates who do not conform to the AFCO confidentiality rules are subject to disciplinary sanctions that may include dismissal.

AFCO Affiliates / AFCO Service Providers
AFCO affiliates, along with non-related service providers that assist us in meeting the needs of our users, may receive personal information collected from a Web site user. Such information will be disclosed only to respond to the user's needs.

Third Parties
We do not transmit any information collected through our Web site to any third party marketers. We may offer the opportunity to our Web site users to link to the Web pages of third parties who provide products and services not offered by AFCO. On occasion, laws and regulations may require us to provide information about you and your transactions to government agencies or regulators. In addition, federal and state laws give third parties involved in lawsuits or other legal proceedings the right to obtain records and information from us. We share only the information that we are required or authorized to share.

Third Party Sites
Access to third party Web sites linked to the AFCO Internet Web site is at the user's discretion. AFCO is not responsible for the reliability of content found in third party Web sites that are linked to the AFCO Internet Web site. Additionally, AFCO is not responsible for third party Web sites that collect information on parties who visit their Web sites through links on the AFCO Internet Web site.