Financial Privacy Disclosure
Notice of YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Farmers and Merchants
Bank. This is our privacy notice for our customers. When we use the
words “you” and “your” we mean the following types of customers:
·Our customers who have a continuing relationship by purchasing or
holding financial products or services such as a (n):
We will tell you the sources of the
information we collect about you. We will tell you what measures we take
to secure that information.
We first define some terms.
Nonpublic personal information means information about you that
we collect in connection with providing a financial product or service
to you. Nonpublic personal information does not include information that
is available from public sources, such as telephone directories or
government records. Hereafter, we will use the term “information” to
mean nonpublic personal information as defined in this section.
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 person we do not employ or a
company that is not an affiliate of ours. This is also known as
nonaffiliated third party, or simply, an “other party.”
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
Information you give us on
applications or other forms
Information about your transactions
Information about your transactions
with other parties
Information from a consumer reporting
INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as
permitted by law. Examples of this might include disclosures necessary
to service your account or prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need
to know that information to provide products or services to you. We
maintain physical, electronic, and procedural safeguards to protect this
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as
permitted by law.
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We recognize the importance of protecting the privacy of
personally-identifying information that may be submitted to us when you
visit our website. The information we receive depends on what you do
when you visit our site. This is how we handle the information we learn
about you from your visit to our website.
If you visit our site to read or download information on our web
pages such as press releases and checking and savings account
We collect and store only the following information about you -- name of
the domain from which you access the Internet (for example - aol.com if
you are connecting from an American Online account or similar domain
corresponding to your Internet Service Provider "ISP"); date and time
you access our website; pages you may have visited on our site; and
Internet address of the website from where you came to visit our
website. We use the information we collect to measure the number of
visitors to the different pages and sections of our site and to help us
make our site more useful to you.
If you visit our website to use interactive banking tools such as
financial calculators and self-tests:
You may be asked for personal information in order to complete the
requested analysis or evaluation. This information is NOT retained.
If you identify yourself by sending an e-mail or completing forms
such as applications, check order forms, contact forms, and guest
You may be asked for personally-identifying information in order to
process your e-mail, form, or application. This information may be
retained by us and our business partners for processing and for
facilitating decisions. Information you might submit to us is treated no
differently than any information you might provide in a written format
such as a brochure application, a check order form, or a letter.
We Want To Be Very Clear!
We protect and safeguard users of our on-line services just as we
do throughout the rest of our business. We will use personal information
to identify you, to communicate with you, and to help us answer your
We will NOT sell personally-identifying information to a
third party for the purposes of solicitation or provide personal
information to a third party for its own use.
Sometimes we send our customers information about our products and
services. If you do not wish to receive this information or if you
believe that your personal information is incorrect, please contact us.
We will investigate the situation and, if appropriate, update our
If you have any questions that are not answered in this section, please
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts(“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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