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Rev. 12/10
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FACTS |
WHAT DOES FARMERS & MERCHANT BANK
DO WITH YOUR PERSONAL INFORMATION? |
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Why? |
Financial companies choose how they share your personal
information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us to
tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand
what we do. |
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What? |
The types of personal information we collect and share
depend on the product or service you have with us. This
information can include:
- Social Security number and Income
- account balances and payment history
- Credit History and transaction history
When you are no longer our customer, we continue to share
your information as described in this notice. |
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How? |
All financial companies need to share customers'
personal information to run their everyday business. In the
section below, we list the reasons financial companies can
share their customers' personal information; the reasons
Farmers & Merchants Bank chooses to share; and whether you can limit
this sharing. |
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Reasons we can share your personal information |
Does
Farmers & Merchants Bank Share? |
Can
you limit this sharing? |
For our everyday business purposes—
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus |
Yes |
No |
For our marketing purposes—
to offer our products and services to you |
No |
We
Don't Share |
| For joint marketing with other financial
companies |
No |
We Don't Share |
For our affiliates’ everyday business
purposes—
information about your transactions and experiences |
No |
We Don't Share |
| For our affiliates’ everyday business
purposes— information about your creditworthiness |
No |
We Don't Share |
| For nonaffiliates to market to you |
No |
We Don't Share |
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| What we do |
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How does Farmers & Merchants Bank
protect my personal information? |
To protect your personal information from unauthorized
access and use, we use security measures that comply with
federal law. These measures include computer safeguards and
secured files and buildings. |
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How does Farmers & Merchants Bank
collect my personal information? |
We collect your personal information, for example, when
you
- Open and account or deposit money
- Apply for a loan or give us your income information
- show your driver's license
We also collect your personal information from others,
such as credit card bureaus, affiliates, or other companies. |
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Why can't I limit all sharing? |
Federal law gives you the right to limit only
- Sharing for affiliates’ everyday business
purposes—information about your creditworthiness
- Affiliates from using your information to market to
you
- Sharing for non-affiliates to market to you
State laws and individual companies may give you
additional rights to limit sharing. See below for more on
your rights under state law. |
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Definitions |
| Affiliates |
Companies related by
common ownership or control. They can be financial and non
financial companies.
- Farmers & Merchants Bank has no affiliates.
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| Non Affiliates |
Companies not related by
common ownership or control. They can be financial and non
financial companies.
- Farmers & Merchants Bank does not share with nonaffiliates so they can market to you.
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| Joint Marketing |
A formal agreement
between non affiliated financial companies that together
market financial products or services to you.
- Farmers & Merchants Bank doesn't jointly market.
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