Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Income Account Balances and Payment history Credit history and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Armed Forces Bank, Academy Bank, Armed Forces Bank of California chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	DO WE SHARE?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We Don't Share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We Don't Share
For non-affiliates to market to you	No	We Don't Share

Armed Forces Bank, Academy Bank, Armed Forces Bank of California.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We collect your personal information, for example, when you

• Open an account or Deposit Money
• Pay your Bills or Apply for a Loan
• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Federal law gives you the right to limit only

• Sharing for affiliates' everyday business purposes - information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. AFB, AB, AFBCA does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. AFB, AB, AFBCA does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Insurance companies

This Privacy Policy will be provided to each new customer at the time the customer relationship is established. Additionally, a copy of this Privacy Policy will be mailed or emailed to all customers once per calendar year. Anyone may receive a copy of this Privacy Policy upon request. Armed Forces Bank, Academy Bank and Armed Forces Bank of California reserve the right to change this policy at any time.

Armed Forces Bank, N.A. Attention: Privacy Manager 320 Kansas Avenue Fort Leavenworth, KS 66027 Telephone: (913) 682-9090 E-mail: privacy@afbank.com

Academy Bank, N.A. Attention: Privacy Manager 320 Kansas Avenue Fort Leavenworth, KS 66027 Telephone: (913) 682-9090 E-mail: privacy@academybankco.com

Armed Forces Bank of California, N.A. Attention: Privacy Manager 320 Kansas Avenue Fort Leavenworth, KS 66027 Telephone: (913) 682-9090 E-mail: privacy@afbca.com

If you send e-mail to us, please remember that e-mail is not secure against interception. If your e-mail contains information that is very sensitive or includes personal information, such as your account numbers, charge card number, or social security number, you may want to send this information via postal mail.