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AMS Financial
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AMS Financial Company Privacy Statement

Recognition of Customer's Expectations of Privacy
Because AMS Financial recognizes that you have the right to privacy, we also recognize that you have the right to expect your personal financial information to remain private and secure. While certain information is critical to providing quality service, we cannot overlook the fact that one of our most important assets is our customers' trust. Therefore, the safekeeping of customer information is a priority at AMS Financial.

Our Collection, Retention, and Use of Information About You
Information about consumers is accumulated from a variety of sources. Some of the information is provided to AMS Financial directly by customers themselves. Other information could be obtained by AMS Financial from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide exceptional service, and offer opportunities that we think will be of interest to customers. This means the information will be used for identifying additional products or services which we believe customers might want to know about. It could also include information and mitigating potential risks or losses to AMS Financial. We will use this information only in accordance with the principles indicated in this policy.

Our Maintenance of Accurate Information
AMS Financial has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies in a timely manner.

Limitations on Employee Access to Information
At AMS Financial, employee access to personally identifiable customer information will be limited to those with a business reason for knowing such information. Employees are trained on the importance of maintaining the confidentiality of customer information as well as the privacy principles described in this policy. Due to the importance of these issues, all AMS Financial employees are responsible for maintaining the confidentiality of customer information and any employee who violates these privacy principles will be subject to disciplinary measures.

Security Procedures to Protect Information
AMS Financial 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 third parties. We maintain and grant access to customer information only in accordance with our internal security policy, including through the use of our internet and e-mail services. We may preserve the content of your e-mail, your e-mail address, and our response so that we can more efficiently handle any questions you may have and also to meet legal and regulatory obligations.

Restrictions on the Disclosure of Account Information
It is AMS Financial's policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use unless: 1) the information is provided to help complete a customer-initiated transaction: 2) the customer requests or authorizes it: 3) The information is provided to a reputable credit bureau or similar information reporting agency: 4) the disclosure is required or allowed by law (e.g. subpoena, investigation of fraudulent activity, requested by regulator, etc.); or 5) the customer has been informed about the possibility of disclosure for marketing purposes through a prior notice and given the opportunity to decline or "opt out".

Maintaining Customer Privacy in Business Relationships with Third Parties
When AMS Financial conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers and Responding to Inquiries
AMS Financial values our customer relationships. Because we recognize and respect your privacy, we want you to understand how we use the information you provide as well as our commitment to ensuring your personal privacy. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call us at 800-783-6540.

Protection of Customer Information on our Web-site
AMS Financial protects the privacy of customer information sent to and from our web-sites by utilizing the same security and privacy standards that are applied to traditional banking transactions. These Privacy Principles apply to individuals, and we reserve the right to change them, along with related provisions at any time.