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Privacy Policy of The Farmers & Merchants Bank

FACTS

WHAT DOES THE FARMERS & 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 income
  • Account balances and payment history
  • credit history and transaction history
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 The Farmers & Merchants Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does The Farmers & 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 Yes No
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 nonaffiliates to market to you No We don’t share


Questions?
    Call 1-731-692-3761 or go to our website at www.dyerfmbank.com


Who we are
Who is providing this notice? The Farmers & Merchants Bank and The Bank of Humboldt


What we do
How does The Farmers & 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

We restrict access to your non-public personal information to only the employees who need to know that information in the normal course of business.
How does The Farmers & 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 debit card
  • Use our web-site and on-line banking
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
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates 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 nonfinancial companies.
  • The Farmers & Merchants Bank does not share with affiliates so they can market to you.
Nonaffiliates Companies not related by common ownership or control. They can be financial and non financial companies.
  • The Farmers & Merchants Bank does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners can include institutions such as insurance companies and credit card companies.
Other important information
The Farmers & Merchants Bank does not disclose any nonpublic personal information about you to anyone, except as permitted by law.