IMPORTANT INFORMATION ABOUT YOUR PRIVACY

OUR PRIVACY PLEDGE TO YOU

As our customer you provide us with important information about yourself.  We believe it is our responsibility to safeguard your personal and financial information.  While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.

 We have developed the following privacy policy to ensure you the confidentiality you deserve.  You have our promise that we will adhere to these guidelines.  It is our pledge to you.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Farmers Exchange 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

• -        Credit card account

• -        Safe deposit box

• -        Mortgage brokerage services

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 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.”

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
• Information we receive as a result of verifying customer information

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law.  Examples of this might include disclosures necessary to service your account, or prevent unauthorized transactions.

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.

INFORMATION ABOUT FORMER CUSTOMERS

We do no disclose information about former customers, except as permitted by law.