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Privacy Policy NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS We, our, us, when used in this notice, mean Farmers State Bank. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:
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 will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options. 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. 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." Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice. THE INFORMATION THAT WE COLLECT We collect information about you from the following sources:
THE
CONFIDENTIALITY, SECURITY,
AND INTEGRITY 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 AFFILIATES We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:
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. Other information not taken from transitions and experience:
You may opt out of the disclosure of the information listed above. Types of Affiliates We may disclose information about you to the following types of affiliates:
YOUR INFORMATION AND OTHER PARTIES In addition to our policy with respect to affiliates, we may disclose information to other parties. Here are the kinds of information we disclose to these other parties:
You may opt out of the disclosure of the information listed above. Types of Other Parties We may disclose information about you to the following types of other parties:
We may also disclose information about you to other parties as permitted by law. TRUST DEPARTMENT INFORMATION We do not share any information we collect, in connection with offering our trust department services, with anyone (except to the extent necessary to complete transactions authorized by you). 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:
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:
YOUR
RIGHT TO BLOCK THE DISCLOSURE Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates. You do not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you), unless you tell us not to disclose this other information. Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to “opt out”. Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form. If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) on the Opt Out Notice and returning it to us at this address:
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