Farmers & Merchants Bank

Importance of Privacy

Farmers & Merchants Bank recognizes the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our Web Site. Therefore, we will take reasonable steps to protect the privacy of the information shared with us. This policy holds true no matter how we receive your personal information: over the phone, at our branches, or online at this Web Site.

Use, Collection and Retention of Customer Information

Farmers & Merchants Bank collects your personal information to administer our business and uses your personal information to make products, services, and other opportunities available to you. We also use information we collect to identify you, to communicate with you and to help us respond to your questions.

Keeping Information Accurate

Keeping your account information accurate and up to date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement. We will correct any erroneous information as quickly as possible.

Limiting Employee Access to Information

We limit our employees access to customer information to those employees who have a business reason for knowing such information. We continually emphasize employee understanding of the importance of confidentiality and customer privacy.

Security Procedures for the Protection of Customer Information

Farmers & Merchants Bank will maintain appropriate security standards and procedures to help prevent unauthorized access to sensitive information about our customers.

Restrictions on Disclosure of Information

We will not reveal specific information about our customers accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies (such as credit bureaus) to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless

1. the information is provided to help complete a customer initiated transaction:
2. the customer requests it:
3. the disclosure is required by/or allowed by law:

4. the customer has been informed about the possibility of such disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e. "opt out")

Maintaining Customer Privacy in Business Relationship with Third Parties

Third parties who conduct business with Farmers & Merchants Bank are required to maintain similar standards of conduct regarding the privacy of personally identifiable information provided to them.

Disclosure of Privacy Principles to Our Customers

With technology changing daily, we are well aware of our customer's concern about financial privacy. Farmers & Merchants Bank wants you to understand our commitment to personal privacy and our use of personally sensitive information. This Privacy Policy has been made available to all of our customers and should answer most of the important questions that you may have about how we protect and use sensative information.

On-line Security

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If you are experiencing any difficulties or require more information, please contact us.

Children's Privacy

Because we care about the safety and privacy of children online, we comply with the Children's Online Privacy Protection Act (COPPA). COPPA and its accompanying FTC regulation establish United States federal law that protects the privacy of children using the Internet. We do not knowingly contact or collect personal information from children under 13. Our site is not intended to solicit information of any kind from children under 13.

It is possible that by fraud or deception we may receive information pertaining to children under 13. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of information by children under 13, please contact us.

Use, Collection and Retention of Customer Information by Third-Party Sites

Some of our sites contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices as we have no control over information that is submitted to, or collected by, these third parties.

We reserve the right to change this policy at any time by posting a new privacy statement.