Privacy Policy Notice
 

Protecting your privacy is important to Farmers and Merchants State Bank and our employees.  We want you to understand what information we collect and how we use it.  In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.  The following policy serves as a standard for all Farmers and Merchants State Bank employees for collection, use, retention, and security of nonpublic personal information.
 
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you.  For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
 
Categories of Information We Collect
We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other loan and account forms.
• Information about your transactions with others or us.
• Information we receive from a consumer-reporting agency.

Categories of Information We May Disclose
We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances.  For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus.  We do not disclose nonpublic personal information about you to anyone, except as permitted by law.
 
Maintenance of Accurate Information
We have established procedures to ensure that to the extent practicable, all customer information is accurate, current, and complete.  We will respond to legitimate requests to correct inaccurate information in a timely manner and in accordance with applicable law.
 
Our Security Procedures
We also take steps to safeguard customer information.  We restrict access to your nonpublic personal information to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
 
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to privacy policies and practices described in this notice.

(We do not share medical or health information except to process transactions or to provide services you have requested or initiated.)