Privacy Policy

Farmers and Merchants Bank Privacy Policy, facts about how Farmers and Merchants Bank handles your sensitive information"
FACTS	What does Farmers and Merchants Bank do with your personal information?
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 Checking account information Transaction history and Credit history Overdraft history and Credit card or other debit 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 customers' personal information; the reasons Farmers and Merchants Bank chooses to share; and whether you can limit this sharing.

Farmers and Merchants Bank Privacy Policy Section 2:Why Farmers and Merchants Bank Shares your personal information
Reasons we can share your personal information	Does Farmers and Merchants Bank 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	No	We don't share
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 our affiliates to market to you	No	We don't share
For non-affiliates to market to you	No	We don't share

Farmers and Merchants Bank Privacy Policy Part 4: Definitions
Who we are
Who is providing this notice?	Farmers and Merchants Bank
What we do
How does Farmers and Merchants Bank protect my personal information?	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.
How does Farmers and Merchants Bank collect my personal information?	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.
Why can't I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes - information about your creditworthiness Afiliates from using your information to market to you Sharing for non-affiliates 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 non financial companies. Farmers and Merchants Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Farmers and Merchants Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between non affiliated financial companies that together market financial products or services to you. Farmers and Merchants Bank does not jointly market.

PRIVACY POLICY

Farmers & Merchants Bank Privacy Policy is we never share non-public personal information except as required by law and will continue to protect our customers’ privacy.

OUR PRIVACY DISCLOSURE POLICY

Categories of Information That We May Collect

We collect non-public information about our customers from the following sources:

Information we receive from the customer on applications or other forms, such as: name, address, social security number, assets and income.
Information about our customers’ transaction with our affiliates, others or us, such as: account balance, payment history, parties to transactions, and credit card usage.
Information we receive from a consumer reporting agency, such as: customers’ credit worthiness and credit history.

Categories of Information That We Disclose

We do not disclose any non-public information about our customers or former customers to anyone, except as required by law.

Disclosure as Permitted By Law

We may disclose all of the information we collect, as described above to service providers and companies that perform marketing services on our behalf (for example – check printing companies.)

Confidentiality and Security

We restrict access of non-public personal information about our customers to those employees who need to know that information to provide products and/or services to them.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard our customers’ non-public personal information. If our customers have any questions or concerns about the integrity of their account information, the customer is encouraged to contact an officer of the bank.

The board will appoint a bank officer ultimately responsible for assessing risks for unauthorized transfer of customer information and implementing procedures to minimize risks to the bank. It also directs internal auditor to conduct reviews of all areas that have access to customer information to assess the internal control structure put in place by bank management and to verify that all bank departments adhere to the general requirements of this policy.