PRIVACY STATEMENT NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this 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:
• Our consumer customers who have a continuing relationship by
purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Safe deposit box
We will tell you the sources of the information we collect about you. We
will tell you what measures we take to secure that information. 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 thatis available from public sources, such
as telephone directories or government records. Hereafter, we will use
the term "information" to mean nonpublic personal information as defined
in this section.
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 person we do not employ
or a company that is not an affiliate of ours. This is also known as
nonaffiliated third party, or simply, an "other party."
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to 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 to protect this
information.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed
in this policy or as permitted by law. Examples of this might include
disclosures necessary to service your account or prevent unauthorized
transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, 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:
• Information you give us on an application or other forms, only:
• Name
• Address
We disclose the information listed above
with companies that perform marketing services on our behalf. You do not
have a right to opt out of the disclosure of this information. We may
also disclose information about you to other outside marketing services
as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose information
for outside marketing purposes:
• Service providers that perform marketing services for us, such as:
• Direct mail company
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial
institutions with whom we have joint marketing agreements:
• Information you give us on an application or other forms, only:
• Name
• Address
We 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.
Types of Businesses
We may disclose information pursuant to joint marketing agreements to
the following types of businesses:
• Financial service providers, such as:
• Econo-Check Corporation
Reasons For Disclosing
We may disclose information about you to other financial institutions
with whom we have joint marketing agreements to provide you with
information about additional products and services.
Limitations on Disclosure
Here are the limitations we impose on the use of information disclosed
to other financial institutions with whom we have joint marketing
agreements:
• We only allow direct mail solicitations.
