• Financial Privacy Disclosure
• Privacy Policy For Our Website

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):

• Deposit account

• Loan account

• Safe deposit box

• Mortgage brokerage services

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 with us

• Information about your transactions with other parties

• Information from a consumer reporting agency

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.


INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

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Privacy Policy For Our Website

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 information:
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 registers:
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 questions.

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 records.

If you have any questions that are not answered in this section, please contact us.

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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