Fraud & Security. What you need to know!

WEB SITE PRIVACY

This bank respects the privacy of its customers and is committed to protecting the privacy of individuals who visit our Web site. We only collect non-identifying information from visitors to our Web site [such as (1) date and time the site was accessed, (2) what pages were visited, (3) what servers were used, and (4) the city of the visitor as identified by the server address]. Web site visitors are invited to submit personal information by (1) e-mail, (2) by completing applications, or (3) by submitting requests for more information. When visitors respond to this invitation, the information they divulge is used as appropriate by employees of this bank to complete the request submitted through the Web site. This information is not disseminated outside the bank.

We require that our employees protect the privacy of customer information regardless of the medium used to fulfill customer financial needs. To protect the privacy of customers we use appropriate security standards and procedures to control access to customer information. This was our policy before the arrival of electronic means of accessing information and it is the policy that is followed regarding all electronic customer transactions.

GENERAL PRIVACY POLICY

Protecting your privacy is important to Farmers and Merchants 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 Bank employees for collection use, retention, and security of nonpublic personal information.

WHAT INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following sources:

  1. Information we receive from you on applications or other loan and account forms
  2. Information about your transactions with us or with nonaffiliated third parties; and
  3. Information we receive from consumer reporting agencies and/or through our Customer Identification Program.

"Nonpublic personal information" means 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. Nonpublic information does not include information that is available from public sources, such as telephone directories and government records.

WHAT INFORMATION WE DISCLOSE

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

Authorized Sharing - Outside Marketing Services

We may disclose the following information to companies that perform marketing services on our behalf:

* Nonpublic personal information we receive from you on an application or other forms, such as:

  1. Name
  2. Address

Federal Law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have the right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:
* Service providers that perform marketing services for us, such as Direct Marketing Companies

Authorized Sharing - Joint Marketing Services

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

* Nonpublic personal information we receive from you on an application or other forms, such as

  1. Name
  2. Address
  3. Social Security Number
  4. Telephone Number

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information under this section:

* Financial service providers, such as

(1) Credit card companies
(2) Securities brokers/dealers
(3) Mortgage bankers
(4) Insurance agents

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

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

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We also take steps to safeguard customer information. Farmers and Merchants Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

CONTACTING FARMERS & MERCHANTS BANK

Farmers and Merchants Bank will respond promptly and affirmatively to any legitimate customer request to correct inaccurate information, including forwarding of corrected information to any third party who had received the inaccurate information. If you have any questions or concerns regarding your financial privacy and the Bank’s information practices, or if you have any questions or concerns in connection with this web site, you should contact:

Privacy Manager
Farmers & Merchants Bank
6464 Merchants Drive
LaOtto, IN 46763-0158
(260) 637-5546 or (260) 357-0494