Farmers & Merchants Bank

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this Privacy Notice, mean Farmers & 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.

  • All of our consumer customers who have a continuing relationship with us.

    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.

    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 company that is not an affiliate of ours.

    THE INFORMATION THAT WE COLLECT

    We collect nonpublic personal information about you from various sources including:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with our affiliates
  • Information about your transactions with nonaffiliated third parties
  • Information from a consumer reporting agency

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

    We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information.

    NONPUBLIC PERSONAL INFORMATION AND AFFILIATES

    We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

    Transaction and experience information from your account records:

  • Information about your transactions and experience with us, such as
  • Name
  • Address
  • Account Balances
  • Account Activity
  • Types of accounts
  • Deposit History

    Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

    Types of Affiliates

    We may disclose nonpublic personal information about you to the following types of affiliates:

  • Financial service providers, such as

  • Securities broker-dealers
  • Insurance agents

    • NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

    We may disclose all of the nonpublic personal information we collect, as described above, to companies that perform services and functions, including marketing services, on our behalf and we may disclose institutions with whom we have joint marketing agreements.

    We will not disclose nonpublic personal information about you to anyone except as disclosed in this notice or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

    NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

    We will not disclose nonpublic personal information about you to anyone except as disclosed in this notice or as permitted by law.

    Farmers & Merchants Bank
    The “ Community” Bank that puts People First

    Member FDIC Equal Housing Lender

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