Privacy Policy

Rev. August 2018

Farmers and Merchants Bank of Ashland Privacy Policy

FACTS	What does Farmers and Merchants Bank of Ashland 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 balances and payment history credit history and credit scores 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 of Ashland chooses to share; and whether you can limit this sharing.

FACTS

What does Farmers and Merchants Bank of Ashland 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 balances and payment history
credit history and credit scores

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 of Ashland chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Farmers and Merchants Bank of Ashland 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	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 affiliates and non affiliates to market to you	No	We don't share

Questions

Call 402-944-3316.

Who we are

Who is providing this notice?

Farmers and Merchants Bank of Ashland

What we do

How does Farmers and Merchants Bank of Ashland 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 Bank of Ashland collect 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 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 laws 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 non financial companies.: Farmers and Merchants Bank of Ashland does not share with our affiliates.

Non Affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.: Farmers and Merchants Bank of Ashland does not share with nonaffiliates so theycan market to you. Nonaffiliates we share with can include third parties to assist us inservicing your loan or account with us, government entities in response to subpoenas,direct marketing firms and credit bureaus.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.: Farmers and Merchants Bank of Ashland doesn't jointly market.

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