Privacy Policy

Updated 08/2014

Facts	What does Farmers And Merchants Bank do with your personal information?
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.
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 balance and payment history Credit history and credit score When you are no longer our customer, we continue to share your information as described in this notice.
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 And Merchants Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Farmers And 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 to report to credit bureaus	Yes	No
For our marketing purposes- to offer our products and services to you	Yes	No
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 non-affiliates to market to you	No	We don't share
Questions?	Call (912) 564-7436

What we do
How does Farmers And 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.
How does Farmers And Merchants Bankcollect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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 nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing.

What we do

How does Farmers And 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.

How does Farmers And Merchants Bankcollect my personal information?

We collect your personal information, for example, when you

open an account or deposit money
pay your bills or apply for a loan
use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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 nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Farmers And Merchants Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Farmers And Merchants Bank does not share with our nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Farmers And Merchants Bank doesn't jointly market.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Farmers And Merchants Bank has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Farmers And Merchants Bank does not share with our nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Farmers And Merchants Bank doesn't jointly market.

Privacy Policy

Protecting your privacy is important to us. To assure you of Farmers & Merchants Bank’s commitment to protecting your privacy, the following statement discloses the information gathering and dissemination practices for www.fmbanksylvania.comand other sites on the World Wide Web owned and operated by Farmers & Merchants Bank.

All information acquired through orders are kept confidential and will not be disclosed to third parties except as may be required by law. If you communicate with Farmers & Merchants Bank via e-mail, your e-mail address and any information you provide voluntarily will be collected and retained as part of your customer record.

Personal information that can identify you, such as name, address and email, is collected only when voluntarily offered and solely for purposes that are clearly identified. Personal information is used to contact you when necessary, and you may opt-out of receiving future mailings by following the directions provided within the communication. If you supply your telephone number on-line, you may receive telephone calls with information regarding your account and involvement on www.fmbanksylvania.com. If you supply your mobile phone number on-line, you may receive SMS text messages with information regarding your account and involvement on www.fmbanksylvania.com. If at any time you wish to stop receiving SMS text messages from Farmers & Merchants Bank, you can adjust your preference in your Account Information Settings or by texting "STOP".

You may be requested to provide demographic and profile data during your visit to a Farmers & Merchants Bank site. Your compliance with this type of request is strictly voluntary. If you choose to provide this information, it will be used to tailor your experience at the sites, showing you content that you might be interested in, and displaying the content according to your preferences.

Farmers & Merchants Bank has technological and operational security functions in place to protect personally identifiable information from loss, misuses, alteration or destruction. Only authorized employees have access to the data you provide and that access is limited by need.

Non-personal information is collected to track the total number of guests visiting Farmers & Merchants Bank’s sites and to guide efforts to improve these sites. The non-personal information includes the browser type and operating system being used by visitors; areas of the sites visited; date and time of access; host or service-provider information, and identification of the referring site. This information is used exclusively for internal purposes and is not disclosed to any third parties.

Some of Farmers & Merchants Bank’s sites do use "cookies" - one or more small text files saved on your computer’s hard drive and stored in memory while your browser is running. This allows us to monitor your activity throughout the sites and correlate usage patterns.

This site contains links to other sites. Farmers & Merchants Bank is not responsible for the privacy practices or the content of such Web sites. This site provides you with the opportunity to opt-out of receiving communication from Farmers & Merchants Bank at the point where information about you is requested.

Please contact us if you have any changes to the information you have supplied Farmers & Merchants Bank or if you would like to be removed from our database.

This Privacy Policy may be updated or modified at any time without notice, so you are urged to revisit this policy periodically.

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